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Which situation best matches you today?
This choice changes the questions and report emphasis. It does not limit which account concerns you can select later.
Default or Foreclosure Review
I am behind, expect to fall behind, received a default or foreclosure notice, have a sale or court concern, or need those risks reviewed.
Includes servicing, closing, ownership, assignment, and chain-of-title concerns.Optional Free Fixed-Rate Balance Check and Free PMI Cancellation Check included.
Servicing, Closing or Title Review
My loan is current and I want to review payment posting, escrow, fees, transfers, closing terms, ownership, assignments, or account records.
This path does not assume that you are in default or foreclosure.Optional Free Fixed-Rate Balance Check and Free PMI Cancellation Check included.
Select one path to continue.
1 Contact and Property
* First and Last Name:
* E-mail:
* Tel:
* What's the best time to call?
Anytime
Mornings
Afternoons
Evenings
* Property Address:
* City and County:
* State:
Alabama
Alaska
Alberta
Arizona
Arkansas
British Columbia
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Manitoba
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Brunswick
New Hampshire
New Jersey
New Mexico
New York
Newfoundland
North Carolina
North Dakota
Northwest Territories
Nova Scotia
Ohio
Oklahoma
Ontario
Oregon
Pennsylvania
Prince Edward Island
Quebec
Rhode Island
Saskatchewan
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming
Yukon Territories
* Zip Code:
* Have an auction date?
Yes
No
Not sure
* Are you behind on your mortgage payment?
Yes
No
Not sure
* Do you have a known foreclosure or court deadline?
No known deadline
Response or answer deadline
Court hearing or conference
Foreclosure sale
Eviction or possession deadline
Bankruptcy deadline
Other deadline
Not sure
Deadline date, if known:
The report will repeat the date you provide but will not calculate or extend a legal deadline.
A deadline may require prompt attention from a licensed attorney. Submitting this form does not pause a sale, court, appeal, or response deadline.
* Do you currently have an attorney for this mortgage or foreclosure matter?
No attorney
Consulting an attorney
Currently represented
Not sure
2 Loan and Account Details
These answers help separate payment, escrow, transfer, notice, and assistance concerns.
Want to check your mortgage balance?
Select your loan type below. A standard fully amortizing fixed-rate loan may qualify for the preliminary Free Fixed-Rate Balance Check.
Have another or an uncertain loan type? Adjustable-rate, interest-only, balloon, deferred-balance, step-payment, negative-amortization, and other specialized loans need a document-based professional review for a reliable balance comparison.
* What type of loan do you have?
Adjustable Rate Mortgage Interest Only Negative Amortization Pick-A-Pay Fixed Rate 80/20 Balloon Payment Reverse Mortgage Other Not sure
Optional account screening
Free Fixed-Rate Balance Check
This high-level check compares the outstanding principal balance on your current statement with a standard fixed-rate amortization schedule built from the numbers and dates you enter. No documents are reviewed.
Would you like this free report to include the preliminary balance check?
Yes, include the preliminary check
Not now
Choose Yes only if this is a fully amortizing fixed-rate loan and you can enter the terms from the most recent controlling note or permanent loan modification agreement.
Use principal figures only. Do not enter the total payment due, escrow balance, payoff quote, reinstatement amount, fees, or past-due amount. All starred fields are needed for an automatic comparison.
* Outstanding principal balance on the current mortgage statement:Use the line labeled outstanding principal balance or unpaid principal balance.
* Payment due date shown on that statement:
* Starting principal balance in the controlling note or modification agreement:Use the principal amount to which the fixed rate and payment schedule apply.
* First payment due date under that agreement:
* Fixed annual interest rate:Enter the percentage shown in the agreement, such as 6.500.
* Maturity date in that agreement:
Scheduled monthly principal-and-interest payment, if shown:
Do not include escrow, mortgage insurance, late charges, or other fees.
* Before the statement due date, were all scheduled principal-and-interest payments made and credited?
Yes
No
Not sure
* Does the agreement include deferred principal, a balloon, interest-only payments, step payments, negative amortization, or another special payment term?
No
Yes
Not sure
* After that agreement, was there another modification, deferral, forbearance, capitalization, or permanent payment change?
No
Yes
Not sure
* Were any extra principal payments made after the agreement began?
Preliminary screening only: This comparison assumes standard monthly amortization and the accuracy of every entry. It cannot confirm payment posting, daily interest, fees, advances, escrow, suspense activity, deferred amounts, or later account changes. Complete confirmation requires a professional review of the actual agreement, statements, and transaction history.
Balance review option
A professional balance review is needed for this loan type
The free schedule comparison supports only standard fully amortizing fixed-rate loans. Your selected or uncertain loan type may involve changing rates, deferred amounts, payment options, a balloon, or other terms that must be verified from the actual documents and transaction history.
You can still complete the free report. It will identify the records and account issues that should be reviewed.
Learn about document-based mortgage review
Optional insurance-cost screening
Free PMI Cancellation Check
This preliminary check is for borrower-paid private mortgage insurance on a conventional loan. It does not cancel PMI, review documents, order a property valuation, or determine your servicer's or investor's final requirements.
* Does your current mortgage payment or statement show mortgage insurance?
Yes, borrower-paid PMI on a conventional loan
No mortgage insurance charge
I see a charge but I am not sure what type it is
FHA, USDA, or other government mortgage insurance
Lender-paid mortgage insurance or insurance built into the rate
Look for PMI, private mortgage insurance, mortgage insurance, MI, or MIP on the statement. FHA, USDA, VA, and lender-paid insurance follow different rules and are not decided by this calculator.
Use the original value for PMI purposes. For a purchase, this is generally the lower of the purchase price or original appraisal. For a refinance, it is generally the appraisal used for that refinance. All starred fields are needed for the preliminary screen.
* Which description matches the original value you will enter?
Purchase: lower of the purchase price and original appraisal
Refinance: appraisal used for the refinance
I have only one original value figure
Not sure
* Original property value for the PMI check:Do not use today's estimated value in this field.
* Current unpaid principal balance:Use the outstanding or unpaid principal balance, not the payoff, reinstatement, escrow, or total amount due.
Monthly PMI charge, if shown separately:
The report can show the current annualized cost for context. This does not predict approval or savings.
Estimated current property value, if you want current-value questions included:
This estimate cannot establish eligibility. The servicer or investor may require its own BPO or appraisal, usually at the borrower's expense.
* Who owns or backs the loan, if known?
Fannie Mae
Freddie Mac
Other or private investor
Not sure
* How is the property used?
One-unit primary residence
One-unit second home
Two-to-four-unit primary residence
Investment property
Not sure
* Is the mortgage currently paid up to date?
Yes
No
Not sure
* Were any payments 30 or more days late in the last 12 months, or 60 or more days late in the last 24 months?
No
Yes
Not sure
* Is there a second mortgage, HELOC, or another junior lien on the property?
No
Yes
Not sure
* Do you believe the property value has fallen below its original value?
No
Yes
Not sure
* Has the loan been permanently modified?
No
Yes
Not sure
A modification can change the amortization schedule or cancellation dates used by the servicer.
Preliminary screening only: The report will calculate ratios from the figures you enter. The servicer and investor must confirm the insurance type, original value, payment history, liens, property value, cancellation date, and any required valuation. Automatic termination generally depends on the scheduled balance, not only today's actual balance.
For a refinance, did you receive right-to-cancel forms?
Yes
No
Not sure
For a refinance, did you send a written cancellation request?
Yes
No
Not sure
* Has the company collecting your payment changed since closing?
Yes
No
Not sure
* Who is your current mortgage servicer?
Bank of America
Carrington Mortgage Services
Cenlar
Chase
Dovenmuehle
Fay Servicing
Flagstar Bank
Freedom Mortgage
Lakeview Loan Servicing
LoanCare
Mr. Cooper (Nationstar)
Newrez / Shellpoint
Pennymac
PHH Mortgage (Ocwen)
PNC Bank
RoundPoint Mortgage Servicing
Select Portfolio Servicing (SPS)
Servbank
Truist
U.S. Bank
Wells Fargo
Other or Unknown
Were you notified in writing when servicing or ownership changed?
Yes
No
Not sure
How many times has the payment company changed?
1
2
3 or more
Not sure
Most recent transfer month, if known:
* Pay taxes & insurance in monthly payment?
Yes
No
Not sure
Have you received an annual escrow analysis each year?
Yes
No
Not sure
Have you requested a complete payment history or account information?
Yes
No
Not sure
Have you sent a written notice disputing a payment, fee, escrow, balance, or other account error?
Yes
No
Not sure
Did the loan company send a written response?
Yes
No
Partial or unclear response
Not sure
* What do you currently want to do with the property?
Keep the property
Sell the property
Evaluate both options
Not sure
* If you are behind, please tell us why (Select One Main Reason)?:
* If you think you have a bad mortgage, please tell us why (Select One Main Reason)?
3 What You Want Reviewed
Select every area that concerns you. These selections become the report's verification checklist.
Reported account concerns:
Status of any mortgage-assistance request:
Never applied
Preparing an application
Application pending
Additional documents requested
Trial or temporary plan
Approved
Denied
Appeal pending
Closed or canceled
Not sure
Date of the most recent application, request, decision, or trial payment:
4 Loan Timeline and Financial Snapshot
* Year of Mortgage:
2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 or before
* Purchase or Refinance:
Purchase Refinance Other
For a refinance, was it completed less than three years ago?
Yes
No
Not sure
Do you have your original closing package?
Yes
No
Only part of it
Not sure
Did you receive the most recent assistance decision in writing?
Yes
No
Not applicable
Not sure
* Would you like information about a professional document-based mortgage audit?
Yes, contact me
Maybe, show me what needs verification
No, free report only
* What is your main goal right now?
Understand my account
Correct account records
Prepare an assistance request or appeal
Prepare for an attorney consultation
Prepare for a professional mortgage audit
Evaluate options for keeping or selling the property
Not sure
* Estimated Property Value:
$0-$50,000 $50,001-$100,000 $100,001-$150,000 $150,001-$200,000 $200,001-$250,000 $250,001-$300,000 $300,001-$350,000 $350,001-$400,000 $400,001-$450,000 $450,001-$500,000 More than $500,000
* Mortgage Balance:
$0-$50,000 $50,001-$100,000 $100,001-$150,000 $150,001-$200,000 $200,001-$250,000 $250,001-$300,000 $300,001-$350,000 $350,001-$400,000 $400,001-$450,000 $450,001-$500,000 More than $500,000
* Interest Rate:
2.00% 2.25% 2.50% 2.75% 3.00% 3.25% 3.50% 3.75% 4.00% 4.25% 4.50% 4.75% 5.00% 5.25% 5.50% 5.75% 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% Other - enter exact rate
* Exact annual interest rate:Enter the percentage shown on the note or latest permanent modification, such as 6.875.
* Estimated Mortgage Payment:
* Estimated Gross Monthly Household Income:
* Mortgage Status:
Current Delinquent Default Filed Foreclosure Sale Date Sold Pre-Eviction
Month of the first missed payment, if known:
* Have you filed for Bankruptcy, and is it still in place?
Yes
No
Not sure
If filed, what type of bankruptcy?
Chapt. 13
Chapt. 7
Chapt. 11
N/A
Sale Date (if applicable):
5 Documents You Already Have
Check only items you can currently locate. Unchecked items will be shown as "not confirmed available," not automatically treated as missing.
Available records:
6 Your Situation and Preferred Next Step
* Would attorney-referral information be useful?
Yes, request a referral
Maybe, include referral information
No
Through our legal referral program, we can help connect consumers with independent participating lawyers serving all 50 states. Availability and acceptance depend on the location, matter, conflicts, deadlines, and the attorney's independent review.
* Explain your situation and goal in detail:Include important dates, account changes, notices, payment or escrow problems, assistance requests, and what you want clarified. Do not include Social Security numbers, bank-account numbers, passwords, or document access codes.
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