Mortgage Accounting Audit
Payment History, Escrow, and Fee Review

Mortgage accounting problems usually show up as a balance that keeps rising, a reinstatement quote that does not match the statements, escrow charges that changed without a clear explanation, or fees that appear after a servicing transfer. This review focuses on the numbers behind the mortgage file so borrowers can see what is supported, what is missing, and what should be questioned in writing.

A forensic mortgage accounting review can compare monthly statements, payment histories, escrow analyses, fee ledgers, payoff figures, reinstatement quotes, transfer records, and foreclosure accounting claims. The purpose is practical: organize the account history, isolate unsupported charges, and prepare clearer questions for a servicer, attorney, mediator, or settlement discussion.

• Mortgage payment history audit and month-by-month reconciliation

• Escrow analysis audit for taxes, insurance, shortages, and payment changes

• Fee, corporate advance, late-charge, and suspense-account review

• Reinstatement quote and payoff quote audit against the account ledger

• Foreclosure accounting review for amount-due claims and settlement preparation

• Servicing transfer review when prior records, balances, or payment credits do not line up