Dana Whitfield is the named researcher configured for EscrowGuide. The byline is limited to work actually attributed to this person; professional licenses or credentials should only be added if they can be verified.
What we research
Our scope is mortgage escrow shortages, annual escrow analyses, payment changes, property-tax and insurance effects, servicing transfers, escrow refunds, waiver rules and servicing-error procedures. We deliberately avoid turning the site into a broad lender-ranking or loan-shopping publication.
Source hierarchy
- Federal regulations and official interpretations, especially Regulation X and relevant Regulation Z provisions.
- Consumer Financial Protection Bureau guidance and mortgage-servicing FAQs.
- Investor or program servicing guides when the rule is investor-specific.
- Tax authorities, insurers or servicers for situation-specific examples that are clearly scoped to that context.
Important source documents are linked from each guide so readers can inspect the rule rather than rely only on our summary.
How calculations are checked
Worked examples separate principal and interest, forward-looking escrow, shortage or deficiency repayment, and other recurring charges. Simplified monthly math is labeled as a cross-check when Regulation X aggregate accounting can produce a different exact amount.
What this byline does not claim
EscrowGuide provides educational research, not individualized legal, tax, insurance or financial advice. Loan documents, investor requirements, state law and the servicer's actual escrow analysis can change the answer for a specific mortgage.