When the lender's claimed loan balance doesn't match your records, you have the right to dispute it. Learn how to audit your mortgage balance, identify unauthorized charges, and use balance disputes to defend against foreclosure.
Get Free Case ReviewA principal balance dispute challenges the accuracy of the amount the lender claims is owed. Common sources of balance errors: unauthorized fees (late fees, inspection fees, attorney fees added without contractual basis), misapplied payments, force-placed insurance premiums, improper escrow charges, and interest miscalculations. The first step is a qualified written request/notice of error under RESPA demanding a complete payment history and itemized breakdown of all charges. The servicer must respond within 30 business days. If the balance is materially overstated, the lender's summary judgment motion can be defeated — the amount owed is a genuine dispute of material fact. For loans that have been transferred multiple times, balance errors are especially common as each servicer's records may differ. A forensic loan audit can reconstruct the true balance. See: QWR Guide and Interest Disputes.
We audit loan balances and prepare QWRs demanding full accountings of every charge.
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