GuideMortgage & FinanceOct 9, 20264 min read
Mortgage Escrow Surplus Refund: Timing
Learn when a mortgage escrow surplus refund is required, how the $50 threshold and payment status work, and why loan payoff uses a different deadline.
Servicing
Loan servicing, payment administration, retention, and borrower assistance.
Latest coverage
Data ReportMortgage & FinanceSep 29, 20263 min read
August 2026 Serious Mortgage Delinquencies
August 2026 serious mortgage delinquencies rose as early-stage counts stayed below year-ago levels. Read ICE’s calendar caveat and servicing signals.
AnalysisPolicy & RegulationSep 25, 20264 min read
FASB MSR Recapture Proposal: Scope and Timing
The FASB MSR recapture proposal addresses valuation scope, transition rules and comparability. Comments are due November 9, 2026.
GuideMortgage & FinanceSep 22, 20265 min read
PMI Cancellation: Find the Original Value
For PMI cancellation, find your home’s original value, check extra principal payments, and separate a written request from scheduled automatic termination.
ChecklistInvesting & RentalsSep 19, 20263 min read
Rental LLC Mortgage Transfer Checklist
Before a rental LLC mortgage transfer, check investor rules, personal liability, occupancy terms and the requirements for a later refinance.
TemplateMortgage & FinanceSep 16, 20266 min read
Mortgage Notice of Error: Use the Right Address
Find the right mortgage notice of error address, adapt a sample letter, document delivery, and track response deadlines while payments continue.
GuideMortgage & FinanceSep 9, 20265 min read
Mortgage Escrow Waiver After Closing: Check Eligibility
A mortgage escrow waiver after closing changes how you pay taxes and insurance. Check Fannie Mae eligibility, PMI differences, documents and cash needs.
ChecklistMortgage & FinanceSep 5, 20265 min read
Mortgage Payoff Quote: Check the Good-Through Date
Check your mortgage payoff quote and good-through date, reconcile recent payments and fees, and keep a later escrow refund out of closing-day proceeds.
GuideMortgage & FinanceAug 28, 20264 min read
Partial Mortgage Payments in a Suspense Account
A partial mortgage payment may stay in a suspense account. Learn when funds must be applied and which statement entries can reveal an error.
AnalysisAgents & BrokeragesAug 27, 20264 min read
HomeServices–Prosperity Servicing: What OnePoint Adds
HomeServices adds Prosperity mortgage servicing to OnePoint. What the announcement establishes about loan coverage, agent access and client continuity.
AnalysisPolicy & RegulationAug 17, 20264 min read
CFPB Complaint Narratives: What Mortgage Monitoring Loses
The CFPB says it will stop publishing complaint narratives. Mortgage monitoring loses context, but complaint handling and response review continue.
Calculated ExplainerMortgage & FinanceAug 17, 20265 min read
Mortgage Curtailment vs. Recast: Payment Effects
Mortgage curtailment vs. recast: compare required payments, interest savings and escrow using one loan, plus eligibility, fees and cash reserves.
ChecklistMortgage & FinanceAug 15, 20265 min read
Mortgage Servicing Transfer: Autopay and Your First Payment
After a mortgage servicing transfer, confirm autopay, update bank bill pay and trace your first payment. Learn when the 60-day protection applies.
AnalysisPolicy & RegulationAug 14, 20265 min read
Newrez Lender-Placed Insurance Settlement: Refunds and Controls
The Newrez lender-placed insurance settlement includes state payments and past relief. See how further refunds, coverage evidence and audits work.
Calculated ExplainerMortgage & FinanceAug 3, 20265 min read
Why Paying an Escrow Shortage May Not End a Payment Increase
Paying an escrow shortage may not reverse a mortgage payment increase. Check the math, repayment rules, and tax and insurance estimates.