Mortgage & Escrow Forensic Audits
Reconstruct payments, escrow activity, and servicing records—so you can challenge errors with evidence.
Mortgage servicing problems can be expensive and confusing—especially when escrow balances, insurance, or payment posting doesn’t make sense. We reconstruct the payment history, reconcile escrow inflows/outflows, and compare borrower records to servicer ledgers to identify discrepancies.
We can analyze
- Missing or misapplied payments
- Force-placed insurance and insurance billing disputes
- Escrow shortages/surpluses and unexplained changes
- Payment reversals, suspense account activity, or fee stacking
- Year-by-year “what they claim” vs “what happened” reconciliation
Deliverables
- Escrow reconciliation schedule
- Variance summary and key findings memo
- Payment posting timeline (month-by-month)
- Exhibit packet with supporting statement references
Best for
- Attorneys handling servicing disputes
- Homeowners disputing escrow/insurance charges
- Borrowers preparing complaints, disputes, or litigation support
What to have ready
Last 12–24 months bank statements, credit cards, tax returns, payroll,
business records (if applicable), and any discovery responses.