Free downloads
Mortgage servicing templates you can actually use.
40 editable letters, worksheets and checklists built around specific escrow tasks. Every resource includes a real on-page preview, a DOCX version for editing, and a PDF version for printing.
Escrow Analysis Dispute Letter
Use this when an annual or short-year escrow analysis appears to contain a specific servicing error you can identify by date, amount, bill, posting, or transfer record.
Mortgage Servicing Information Request Letter
Use this when you need records before deciding whether an escrow or payment problem is actually an error.
Annual Escrow Statement Review Worksheet
A line-by-line worksheet for comparing last year’s projection, actual escrow activity, and next year’s forecast.
Escrow Shortage Payment Tracker
Track a shortage repayment separately from the recurring tax-and-insurance escrow deposit so the temporary catch-up does not get confused with the permanent payment level.
Property Tax Escrow Verification Checklist
Compare the taxing authority’s bill with the servicer’s projected and paid tax amounts before attributing a payment increase to escrow.
Homeowners Insurance Escrow Verification Checklist
Compare the insurer’s policy record with the servicer’s escrow projection and disbursement record.
Servicing Transfer Escrow Reconciliation Worksheet
Build a before-and-after ledger across a mortgage servicing transfer so the old closing escrow balance and new opening balance can be tested as one continuous account.
Missing Escrow Balance Transfer Dispute Letter
Use this when a servicing transfer appears to have lost, duplicated, or mis-posted escrow balance information.
Late Property Tax Payment Servicer Dispute Letter
Use this when escrowed property taxes appear to have been paid after the deadline and a penalty, interest charge, or delinquency resulted.
Force-Placed Insurance Cancellation & Refund Letter
Use this to document proof of required hazard coverage and request review of overlapping force-placed insurance charges.
Escrow Shortage: Pay Now vs Monthly Worksheet
Compare the cash and monthly-payment effects of paying an escrow shortage in full versus spreading the shortage across the servicer’s repayment period.
Annual Escrow Surplus Refund Eligibility & Deadline Worksheet
Use this only for a surplus created by an initial or annual escrow analysis. It separates the $50 threshold, current-status test, analysis date, and refund/credit treatment from the different rules that apply after mortgage payoff.
Negative Escrow Balance Reconciliation Worksheet
Reconstruct how an escrow balance went below zero by listing deposits, disbursements, advances, reversals, and timing differences.
Escrow Removal Request Prep Checklist
Prepare the facts a servicer may ask for before considering an escrow waiver or cancellation request. This does not assume that any borrower has a right to remove escrow.
PMI Cancellation Request Prep Worksheet
Organize the loan dates, balance, payment history, and property-value questions relevant to a borrower-requested PMI cancellation inquiry. PMI and escrow are separate payment components.
Flood Insurance Escrow Review Worksheet
Trace a flood-insurance premium change through the mortgage payment without assuming the escrow statement decides whether flood coverage is legally required.
Loan Modification Escrow Reconciliation Worksheet
Separate the modified principal-and-interest terms from escrow changes so a post-modification payment can be reconstructed component by component.
Post-Forbearance Escrow Reconciliation Worksheet
Track taxes and insurance paid during a forbearance period and reconcile those disbursements with later escrow shortage or deficiency treatment.
Mortgage Recast Payment Component Worksheet
Compare the pre- and post-recast principal-and-interest payment while keeping escrow, mortgage insurance, and other components separate.
Escrow Cushion Audit Worksheet
Estimate the annual escrow disbursement total and compare the statement’s projected low balance with the federal maximum cushion concept.
Missing Annual Escrow Statement Follow-Up Letter
Use this when you are current on the mortgage but the annual escrow account statement has not arrived after the computation year ended.
Small Escrow Shortage: 30-Day vs 12-Month Options Worksheet
Compare the Regulation X treatment choices when an escrow shortage is less than one monthly escrow payment and separate those choices from a larger shortage.
Escrow Deficiency Repayment Rules Worksheet
Use this when the escrow balance went below zero and the statement labels the amount a deficiency. Compare the amount with one monthly escrow payment and document the repayment treatment offered.
Servicer Escrow Advance Verification Worksheet
Reconcile a tax or insurance payment the servicer made when the escrow account did not contain enough money, including the later deficiency analysis and repayment request.
Initial Escrow Statement After Closing Checklist
Review an initial escrow statement for an account created after closing and verify the creation date, first deposit, projected items, cushion, and trial balance.
Known Bill vs Servicer Escrow Estimate Comparison Sheet
Compare a tax or insurance amount the servicer knew or could document with the amount used in the escrow analysis, while keeping unknown-charge estimation rules separate.
Escrow Cushion Lower-Limit Review Sheet
Check whether the mortgage documents or applicable law specify a cushion lower than the federal maximum before treating two months as an automatic required balance.
Property Tax Installment vs Annual Escrow Payment Audit
Document whether a taxing jurisdiction bills in installments, whether a discount or fee changes the rule, and how the servicer scheduled property-tax disbursements from escrow.
Same-Servicer Short-Year Escrow Statement Review Sheet
Use this when the same mortgage servicer changes the escrow computation year or analysis month and sends a short-year statement without a servicing transfer or payoff.
Missing Annual Escrow Surplus Refund Follow-Up Letter
Use this after an annual or initial escrow analysis shows a refund-eligible surplus of at least $50, the borrower was current at analysis, and the expected refund has not arrived. Payoff escrow refunds use a different resource and timeline.
Escrow Payment Change Timeline
Put the analysis date, notice date, effective payment date, shortage payment, and next statement on one timeline so timing is not confused with the amount calculation.
Supplemental Property Tax Bill Servicer Contact Sheet
Organize a supplemental tax bill before contacting the servicer so you can document whether it is already in escrow, separately payable, or missing from the servicer record.
Insurance Policy Switch Escrow Handoff Checklist
Coordinate the old carrier, new carrier, mortgagee clause, premium payment, cancellation date, and any old-policy refund when homeowners insurance changes mid-escrow year.
Force-Placed Insurance Overlap Timeline
Map the borrower policy, force-placed policy, proof-of-coverage delivery, cancellation date, and refund/credit so an overlap-period charge can be checked day by day.
Servicing Transfer 60-Day Payment Protection Log
Track mortgage payments sent around a servicing transfer, especially payments mistakenly sent to the old servicer during the federal 60-day transfer-protection period.
Mortgage Notice of Error Response Tracker
Track delivery, acknowledgment, response, document follow-up, and correction verification for a mortgage-servicing Notice of Error without mixing it with a Request for Information.
Mortgage Request for Information Record Index
List the exact servicing records you need, the date range, why each record matters, and what the servicer produced so an RFI stays narrow and auditable.
Escrow Error Evidence Timeline Worksheet
Place the outside bill, servicer transaction, statement, notice, phone contact, and correction on one dated timeline before drafting an escrow dispute.
Property Tax Exemption or Appeal Escrow Packet Checklist
Build a clean evidence packet after a property-tax exemption, appeal, or corrected assessment changes the official bill used in mortgage escrow.
Post-Payoff Escrow Refund Reconciliation Sheet
Reconcile the remaining escrow balance, any final tax or insurance posting, the refund amount, and the later short-year statement after a mortgage is paid in full.