Disclaimer

EscrowAudit is not a law firm and does not provide legal advice, legal opinions, or legal representation. EscrowAudit is a self-help computer software service that prepares documents based solely on information you supply. Use of EscrowAudit is not a substitute for the advice or services of a licensed attorney. If you need legal advice for your specific situation, please consult an attorney licensed in your state. EscrowAudit, the borrower, and the borrower alone is responsible for the content, accuracy, and legal effect of any letter generated. No attorney-client relationship is created by your use of this service.

What EscrowAudit does

EscrowAudit accepts an annual escrow analysis statement PDF that you upload, extracts the figures printed on it, and runs a deterministic comparison against the federal regulations at 12 C.F.R. § 1024.17 and § 1024.36. The output is a structured audit report listing each finding, its statutory citation, and a draft paragraph the user can use in a Qualified Written Request letter to the mortgage servicer.

What EscrowAudit does not do

• We do not represent you in any communication with the servicer, regulator, or court.
• We do not give advice on whether or how to litigate.
• We do not predict outcomes. The QWR letter requires the servicer to respond within 30 business days under federal law, but no outcome is guaranteed.
• We do not charge contingent on recovery. The audit is a flat fee; the optional cert-mail dispatch is a flat fee.
• We do not store your loan number or address in plaintext beyond what is needed to generate your letter, and the source PDF is auto-deleted 90 days after the audit unless you subscribe to monitoring.

User responsibility

You sign and mail the QWR letter. You are the author of the letter. You are responsible for verifying the figures we extracted against your statement, and for the legal effect of sending the letter. If your specific case is complex or involves potential litigation, please consult an attorney licensed in your state.

Outcomes vary

Servicers may comply, may respond with a counter-explanation, may ignore the letter (which itself creates statutory liability under 12 U.S.C. § 2605(f) but does not automatically result in recovery without further action), or may correct only some of the items. Our audit identifies issues and quantifies maximums; what you actually recover depends on the servicer's response and any further steps you choose to take.

Questions

Email support@escrowaudit.us.