Escrow Shortage Analyzer

Live. Escrow shortage, deficiency or surplus: what RESPA lets you ask for, how fast, and the compliant monthly add-on.

Send up to 5,000 escrow analysis results (monthly escrow payment, shortage, deficiency or surplus, borrower current or not, proposed repayment). Applies RESPA Reg X 12 CFR 1024.17(f): surplus of $50 or more refunded within 30 days if the borrower is current; a shortage under one month can be left, repaid in 30 days or spread over 12+ months, one month or more only left or spread over 12+ months; a deficiency under one month can be repaid in 30 days, otherwise in 2+ equal monthly payments. Blocks proposed plans that demand too much too fast. Not legal advice. Nothing stored.

Price: $0.001 per call after 1,000 free per month.

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