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How Do I Request an Escrow Analysis?
Understanding Escrow Analysis
An escrow analysis is a review of your escrow account to confirm your servicer is collecting the correct amount for property taxes and homeowners insurance. If your home loan or mortgage loan payment suddenly changes, or if you believe your escrow balance is incorrect, you can request a full review from your servicer.
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Why Escrow Analysis Matters
Your escrow account pays your taxes and insurance automatically. If the servicer miscalculates, your monthly mortgage loan payment may increase or decrease unexpectedly. A proper analysis ensures accuracy and prevents shortages or overpayments.
How to Request an Escrow Analysis
Contact your mortgage servicer and ask for a “complete escrow account review.” This can be done by phone, through your online portal, or in writing. Servicers are required to provide an annual analysis, but you can request an additional review if you believe something is wrong.
Common Reasons to Request an Escrow Review
Tax bills increasing or decreasing, insurance premium changes, incorrect disbursements, or unexpected escrow shortages are all valid reasons to request a new analysis.
What the Servicer Reviews
Your servicer will check your tax bills, insurance premiums, payment history, and projected disbursements to confirm your escrow portion is accurate for your mortgage program.
What Happens After the Analysis
If your escrow was miscalculated, the servicer will adjust your monthly home mortgage payment. You may receive a refund for overages or a shortage notice if more funds are needed.
Bottom Line
Requesting an escrow analysis is simple and helps ensure your mortgage loan payment is accurate. If something looks off, your servicer must review and correct it.
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