Mortgage Audit
Information-only review flow for mortgage paperwork. Use this page to organize issues before speaking with your lender, servicer, or advisor.
Step 1 — Gather key files
Loan Estimate + Closing Disclosure
Promissory Note + Mortgage/Deed of Trust
Escrow statements + tax/insurance bills
Payment history + servicing notices
Upload files in Audit Vault for quick keyword flagging and optional sync when APIs are configured.
Step 2 — Review for common risk areas
- Fee alignment between disclosures and closing package.
- Escrow shortages/overages and force-placed insurance references.
- Interest rate/APR language mismatches or unexplained adjustments.
- Late fee and default language that may need clarification.
Step 3 — Build your issue log
Track each issue with: document name, page number, concern, and requested explanation. Keep all communication factual and timestamped.
Need affordability screening? Continue to Pre-Qualification for soft-pull inquiry forms.
FairBaink Audit is a non-custodial informational product and does not provide banking services, legal advice, or guaranteed outcomes.