Free Mortgage Servicer Escrow Shortage Log PDF
Track escrow shortage notices, payment changes, and servicer responses in a printable PDF you can use for complaints or disputes.
Published December 4, 2025
Escrow shortages can raise monthly payments without clear explanations. Use this free shortage log to record each notice, the new payment, and how the servicer explained the change so you can escalate with confidence.
When to use this
- Your mortgage payment suddenly increased due to an escrow shortage notice.
- You want to track each call or letter with the servicer about taxes or insurance changes.
- You plan to request a RESPA response, file a CFPB complaint, or involve state regulators.
How to do it (fast)
- List the first date you were told about an escrow shortage and your servicer name.
- Add each notice with the old payment, new payment, and shortage amount.
- Capture the servicer's explanation and what follow-up you made (calls, letters, requests for analyses).
- Note any documents you received, like escrow analyses, tax bills, or insurance statements.
- Generate the PDF and attach it to your RESPA letter, CFPB complaint, or regulator submission.
Why this helps
- Creates a single record of payment changes and explanations you were given.
- Shows regulators or attorneys that you asked for documentation and tracked responses.
- Keeps shortage amounts, dates, and follow-up organized for budgeting or disputes.
Related tools
- Foreclosure Communication Log PDF
- Insurance Premium Payment Log PDF
- Financial Affidavit Income & Expense PDF
Not legal advice. Courts set their own rules. Keep your original records.