Guides
Read the rule. Run the math. Get your refund.
Plain-English guides to the federal rules that govern your mortgage escrow account, the statement your servicer sends once a year, and the letter that forces them to fix what they got wrong.
RESPA Explained: Your Federal Right to a Fair Escrow Account
12-minute read
Why the Real Estate Settlement Procedures Act was passed in 1974, what 12 U.S.C. § 2605 and 12 C.F.R. § 1024.17 actually say about your escrow, and which rules every servicer must follow.
Read the guideHow to Read Your Annual Escrow Analysis Statement
14-minute read
A line-by-line walkthrough of the required components of an annual escrow analysis under § 1024.17(i). What each number means, the math behind the cushion, and how to spot the most common errors.
Read the guideQualified Written Request Letter: Template and Statutory Citations
15-minute read
What a QWR is, the statutory deadlines under 12 U.S.C. § 2605(e), the exact letter structure servicers expect, how to mail it Certified, and what happens if your servicer ignores it.
Read the guide
Want to skip the reading? Run the free 90-second self-check or upload your statement for the full $39 audit.