Frequently asked questions.

We audit your annual mortgage escrow analysis statement against the Real Estate Settlement Procedures Act (RESPA, 12 C.F.R. §§ 1024.17 and 1024.36) — checking cushion ceiling, surplus/shortage handling, tax-projection accuracy, math reconciliation, and state interest law. If we find errors, we generate a Qualified Written Request (QWR) letter that your servicer is legally required to respond to within 30 business days.

Our rules engine is deterministic — every finding cites the specific RESPA section it's based on. We use independent AI-based extraction (Gemini 3.1 Flash-Lite primary, Claude Haiku 4.5 fallback), validated to F1 = 1.000 on a 15-statement synthetic eval, with a Claude Opus 4.8 reviewer arbitrating any ambiguity. Math itself is never delegated to an LLM — all arithmetic uses banker's rounding via Decimal.js.

No. EscrowAudit is a self-help computer software service. We prepare documents based solely on information you supply. The borrower is the sole author of the QWR letter. No attorney-client relationship is created. Read the full disclaimer.

A QWR is a written notice that triggers RESPA Section 6 obligations (12 U.S.C. § 2605, 12 C.F.R. § 1024.36) on the loan servicer: they must acknowledge receipt within 5 business days and respond substantively within 30 business days. Failure to comply exposes them to actual damages plus statutory damages up to $2,000 for a pattern of noncompliance, plus attorney's fees.

About 90 seconds end-to-end. Upload your statement PDF, pick a tier ($39 Audit or $59 Audit + Mail), pay, and the audit + QWR letter are delivered to your dashboard. You can review and either download the letter to mail yourself, or pick the Audit + Mail tier and we dispatch it via USPS Certified Mail for you.

PDF, PNG, JPEG, or HEIC. Up to 20 MB. Every upload is content- validated against its declared MIME type (magic-byte check) — a file that claims to be a PDF but isn't one is rejected before it reaches storage.

Five categories of RESPA violations:

• Cushion ceiling— 12 C.F.R. § 1024.17(c)(1)(ii): servicer cushion can't exceed one-sixth of annual disbursements.
• Surplus handling — § 1024.17(f)(2)(i)–(ii): surpluses ≥ $50 must be refunded within 30 days; under $50 may be credited.
• Shortage spread — § 1024.17(f)(3)(i)–(ii): shortages must be spread over at least 12 months.
• Math reconciliation — projected balances recomputed from disbursements vs. statement values; any drift is flagged.
• State interest law — 15 states require interest on escrow balances; we check rate compliance.

Stored in Supabase Storage (US region), accessible only by your account through row-level security. Automatically deleted 90 days after the audit unless you subscribe to the Annual Monitor. See the privacy policy for full retention details.

Non-response after 30 business days entitles you to: actual damages, statutory damages up to $2,000 for a pattern or practice of noncompliance, attorney's fees and costs (12 U.S.C. § 2605(f)). You can also file a CFPB complaint or sue in federal court. We generate complaint drafts as part of the audit.

7-day money-back guarantee if the audit math is demonstrably incorrect. Email hello@escrowaudit.us with details. Full terms in the Terms of Service.

Yes, anytime — $9.99/month, cancel from your dashboard.