Responsible Use
What this platform is
Escrow Checkup helps you understand the information in your escrow account documents. It organizes details and prepares summaries so you can see what is in your account and how it is structured.
What this platform is not
- We are not your mortgage servicer.
- We do not provide legal, tax, insurance, or financial advice.
- We do not make decisions about your account.
- We do not contact your servicer on your behalf.
Always verify
The summaries and details you see on this platform are organized from the documents you upload. Always verify figures and account details directly with your mortgage servicer or a qualified professional before taking any action.
Platform purpose
This platform provides educational clarity only. Nothing on this platform should be interpreted as advice, a recommendation, or a determination of any kind.
CFPB/HPA Compliance Shield
EscrowCheckup provides educational clarity, document organization, and user‑initiated reminders based solely on information the user uploads from their servicer. EscrowCheckup does not determine eligibility for mortgage insurance removal, does not calculate loan‑to‑value ratios, does not interpret investor or MI company rules, does not interpret the Homeowners Protection Act (HPA), does not provide legal or financial advice, and does not perform any servicing functions. All decisions about mortgage insurance are made exclusively by the user's servicer.
Why EscrowCheckup Is Not a Servicer
EscrowCheckup is not a mortgage servicer and does not act as one. It does not process payments, manage escrow accounts, determine PMI/MIP eligibility, order valuations, interpret servicing rules, or communicate with servicers on behalf of the user. EscrowCheckup only helps users stay organized by storing documents, tracking dates the servicer provides, and offering reminders based on those dates. All questions about eligibility, requirements, or account status must be directed to the servicer.
CFPB/HPA Risk Mitigation Matrix
- Improper Cancellation/Termination: EscrowCheckup does not determine eligibility or calculate LTV. It only stores and displays servicer‑provided information.
- Inaccurate Denial Reasons: EscrowCheckup does not interpret or evaluate servicer decisions. It only stores and summarizes the servicer's own language.
- Failure to Send Notices: EscrowCheckup does not replace servicer obligations. It only stores notices the user uploads.
- Misleading Information: EscrowCheckup does not state thresholds, rules, or eligibility. All requirements come directly from the servicer's documents.
- Invalid Investor Guidelines: EscrowCheckup does not apply or interpret investor rules. It only reflects what the servicer provides.
- Delayed Processing: EscrowCheckup does not process PMI requests. It only helps users track dates and documents.
- Refusal to Remove / Failed Automatic Removal: EscrowCheckup does not determine whether PMI should be removed. It only helps users stay organized.
- Incorrect Valuation: EscrowCheckup does not provide valuations or comment on value. It only stores servicer‑provided valuation requirements.
- Unnecessary Delays: EscrowCheckup does not evaluate timelines. It only tracks dates the servicer provides.
Compliance‑Safe PMI/MIP Monitoring Statement
EscrowCheckup helps users stay organized by storing mortgage insurance documents, tracking dates and milestones listed by the servicer, and providing reminders based on those dates. EscrowCheckup does not determine eligibility for mortgage insurance removal, does not calculate equity or LTV, and does not interpret any rules. All questions about mortgage insurance must be directed to the servicer.