Mortgage Statement & Escrow Guide method
How we research
Statement answer
Before anything is published on Mortgage Statement & Escrow Guide, the rule or definition it describes is traced back to the agency or investor that wrote it. Regulation X error-resolution and information-request rules are the main references here, along with CFPB servicing guidance, and they are rechecked first.
Last reviewed against the primary sources listed below.
Where questions come from
Search suggestions show how people phrase their questions. We collect those for free, group them and answer the ones inside this site's scope.
Sources we rely on
Pages cite these primary sources, among others. Each guide lists the exact sources it used at the bottom of the page.
- CFPB Regulation Z 1026.41: Periodic statements for residential mortgage loans
- CFPB: Regulation Z section 1026.39, mortgage transfer disclosures
- CFPB Regulation X 1024.17: Escrow accounts
- CFPB Regulation X 1024.35: Error resolution procedures
- CFPB Regulation X 1024.36: Requests for information
- CFPB: What's the difference between a mortgage lender and a mortgage servicer?
- CFPB: What is an escrow or impound account?
- CFPB: How can I tell who owns my mortgage?
How a page is checked
- Each factual statement is matched to a primary source.
- Plain-language wording is compared back to the source so meaning is not lost.
- A page shows a new review date only after it has been rechecked.
Pages written this way
- How to read your monthly mortgage statement
- Why did my escrow payment go up? Reading the escrow analysis
- What to do when a mortgage payment is missing or misapplied
- How to send a notice of error to your mortgage servicer
- How to request your mortgage payment history
- Checking your Form 1098 mortgage interest statement
- How long should you keep mortgage statements?
- How often do mortgage statements come, and are they online?
About the Mortgage Statement & Escrow Guide issue finder
The Mortgage Statement & Escrow Guide issue finder uses only what you type, works entirely in the browser and keeps nothing.
CFPB and IRS sources
- CFPB Regulation Z 1026.41: Periodic statements for residential mortgage loans
- CFPB: Regulation Z section 1026.39, mortgage transfer disclosures
- CFPB Regulation X 1024.17: Escrow accounts
- CFPB Regulation X 1024.35: Error resolution procedures
- CFPB Regulation X 1024.36: Requests for information
- CFPB: What's the difference between a mortgage lender and a mortgage servicer?
- CFPB: What is an escrow or impound account?
- CFPB: How can I tell who owns my mortgage?