Optional on-device document reader
Choose the annual analysis and supporting documents
Files are read in this browser and are not sent to MortgageWhy. Redact your name, address, loan number, barcodes, and codes first. OCR is only a starting point—you must confirm every amount.
Statement facts
Confirm the annual history and analysis totals
Completeness and urgent events
Consumer action report
Information missing
This result describes what the entered information supports. It does not state that the servicer violated a law.
Information missing
- computation-year end date
- annual statement date
- beginning escrow balance
- total paid into escrow
- total paid out of escrow
- ending escrow balance
- target balance at analysis
- monthly escrow payment
- past-year account history
- next-year projection
- shortage, deficiency, or surplus explanation
- payment status at analysis
- statement's shortage, deficiency, or surplus result
Focused next steps
Need a focused written request?
Use the local letter builder to prepare an editable Request for Information or Notice of Error. You must confirm the servicer's designated address and decide whether to send it.
Build a servicer letterWhat this review can and cannot establish
The checker can independently reconcile confirmed totals and compare selected facts with key federal escrow rules. It cannot determine all applicable contract, loan-program, state-law, bankruptcy, foreclosure, or evidentiary questions.