Follow-up letter · Free download
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.
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Actual first-page previewMissing Annual Escrow Statement Follow-Up Letter
Before you fill it out
What this resource helps you document
Use this when you are current on the mortgage but the annual escrow account statement has not arrived after the computation year ended.
01Expected statement window
02Current-account facts
03What is missing
04Information requested
Federal baseline to check
Use the form with the rule, not instead of the rule.
These templates organize facts and records. They do not create a borrower right that the underlying regulation, loan terms, investor rules, or state law does not provide.
- An annual escrow statement is generally due within 30 calendar days after the escrow computation year ends.
- The servicer is exempt from the annual-statement requirement in certain circumstances, including when the borrower is more than 30 days overdue at analysis, foreclosure has been initiated, or the borrower is in bankruptcy.
- If a statement was omitted under that exemption and the loan later becomes current, the servicer must provide account history since the last annual statement within 90 days of the date the loan became current.
Use this resource carefully
- Use this as an RFI when your main goal is obtaining the statement/history. If you are asserting a servicing failure, you may need a separate NOE framing the specific covered error.
- Do not assume a missing annual statement is a violation until the delinquency/foreclosure/bankruptcy exceptions are checked.
- If the account recently became current after an exempt period, record the reinstatement/current date and track the separate 90-day history deadline.