When the Servicing File Does Not Line Up
A mortgage servicing audit reviews whether the current servicer's records match the loan history, transfer records, payment history, escrow activity, notices, and claimed balance. This is useful when a borrower sees a sudden balance change, missing payments, unexplained fees, transfer confusion, or foreclosure pressure after a servicing change.
What We Review
- Servicing transfer dates and welcome/goodbye notices
- Payment posting, suspense activity, late charges, and fee ledgers
- Escrow analysis records, shortage claims, and insurance or tax disbursements
- Default, acceleration, loss mitigation, and foreclosure-related notices
- Current owner or investor information when records are available
Common Servicing Red Flags
Borrowers often request this review after a new servicer claims a different balance, refuses to explain a fee, says payments were never received, or resumes collection activity on an old loan. The goal is to turn scattered documents into a clear timeline and issue list that can support a dispute, attorney review, mediation, or settlement discussion.
Documents That Help
Useful records include monthly statements, transfer letters, payment confirmations, escrow analyses, payoff or reinstatement quotes, collection letters, foreclosure notices, modification paperwork, and any written dispute responses.
Important: this is educational file-review support, not legal advice and not a guarantee of any foreclosure, modification, or settlement result.
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Related reviews: payment history audit, escrow analysis audit, and reinstatement and payoff quote audit.