In the process of doing my taxes, I just noticed that the final HUD for a refiance that I did in Aug seems to be incorrect. I missed it because it was already a revised HUD and the only thing that was supposed to be changed was changed correctly and the mistake was buried in an addendum. The mistake has to do with how much property tax was paid into escrow. The loan has since then be sold to another bank.
I'm not sure what to do at this point. Should I contact the new lender? Or should I be talking to the escrow company - who I assume has the extra $?
(On a side note, I'm not sure if the escrow company paid the property tax for me. I ended up paying it separately myself due to the timing of payment due/loan processing/etc and I haven't gotten any refund from the county....)
Thanks for visiting FatWallet.com. Join for free to remove this ad.
alamo11
Senior Member - 1K
posted: Jan. 25, 2013 @ 8:55p
Call the new lender and ask for escrow balance. Tell them you want a check for the overage. By law they have to refund you the difference. They are, and usually do, keep a small surplus in case of increases that are unexpected.
alamo11 said: Call the new lender and ask for escrow balance. Tell them you want a check for the overage. By law they have to refund you the difference. They are, and usually do, keep a small surplus in case of increases that are unexpected.
Ok. I'll try that. I think they might already think that they've refunded me the difference since there is a mistake in the statement. Essentially the mistake is that they took ~$2.5k from me to pay property taxes but only shows a ~$2k withheld for property taxes. This, of course, makes a total for the fees incorrect - which it is.
I actually recently received a new "Truth in Lending" statement from the new lender because they thought that was wrong - but there were no difference between the new one they sent and the old one that I have.
Sounds like it's the new lender that I need to talk to.
Disclaimer: By providing links to other sites, FatWallet.com does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to FatWallet.com.
Members of our community may attach files to a post in accordance with the User Agreement. FatWallet is not responsible for the content, accuracy, completeness or validity of any information contained in any attached file. Files have *not* been scanned for viruses. Be especially wary of Excel files which may contain malicious content.
One-time set up
Avoid the hassle of entering your information every time you buy.
•
Instant Cash Back tracking
Since we complete the purchase, we can credit your Cash Back immediately.
•
Buy with just two clicks
One click begins checkout and another confirms your purchase.
Once set up, making a purchase with FW checkout is a breeze. FatWallet Checkout confirms the after-tax
price plus shipping and, after you confirm, completes your purchase for you.
Shopping
Earn Cash Back while you shop - just 3 simple steps.
1. Sign Up so we know who to pay! (It's FREE.)
2. Shop through FatWallet for deals from your favorite stores. Your online purchases earn Cash Back that builds in your FatWallet account.
3. Get Paid by requesting a payment via check or PayPal.
FatWallet coupons help you save more when shopping online. Use our Coupons Search to browse coupons and offers from thousands of stores, gathered into one convenient location.
Forums
As part of our FatWallet Community, you can share deals with almost a million shoppers in our forums. Forum content is generated by consumers for consumers. Share deals, money-saving tips, and more. It's FREE, fun, and addicting.
Support
Our customer experience team is here around the clock - real people ready to assist.
Click to copy code and go to .
