Bill Slayer
Get your escrow surplus money back.
Demand letter and RESPA arguments.
Answer 5 quick questions — get a personalized demand letter to request a refund of your escrow surplus, with RESPA-based arguments.
2
letter templates
2 min
time to generate
3
legal arguments
$10.00
$19.00
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Instant delivery to your emailYour mortgage escrow account has a surplus — and the bank hasn't refunded it
Your escrow account has extra money — up to $500 or more. Your bank hasn't sent it back. You need to demand it.
This guide gives you a demand letter and RESPA arguments to claim your money.
This guide gives you a demand letter and RESPA arguments to claim your money.
Bank holding your money
Your escrow account has a surplus, but the bank hasn't refunded it.
Don't know how to ask
You don't know what to write or who to contact.
Need RESPA arguments
You need to reference the law to get your money back.
No escalation plan
If they ignore you, you don't know what to do.
What you get
Everything you need to claim your escrow refund.
Demand letter
A complete, ready‑to‑send letter to your mortgage servicer — just fill in and send.
Key arguments
Consumer rights and RESPA (Real Estate Settlement Procedures Act) rules to strengthen your case.
Evidence checklist
What documents to include — mortgage statements, escrow statements, payment history — so they can't ignore you.
Escalation plan
What to do if they don't respond — including CFPB complaints and legal options.
How it works
From surplus unknown to refund received in 2 minutes.
1
Answer 5 quick questions
Tell us your servicer, last statement date, monthly payment, if you know about a surplus, and your biggest concern.
~2 minutes2
AI builds your custom demand letter
You get a complete HTML document with a demand letter, RESPA arguments, and escalation plan.
~30 seconds3
Claim your money
Send the letter, attach evidence, and escalate if needed — get your refund.
You decide1
complete refund system
5
letter sections
3
RESPA rules
4
escalation steps
Questions
Everything you need to know.
How do I know if I have an escrow surplus?
Your mortgage servicer is required to send an annual escrow statement. If your account has more than $50 surplus, they should refund it. The guide helps you check.
How long does the bank have to refund my escrow surplus?
Under RESPA, the bank must refund a surplus within 30 days of the annual escrow review. If they missed it, you can demand it now.
What if the bank says there's no surplus?
The guide includes arguments to request a full escrow accounting and dispute any incorrect calculations.
Is there a deadline to claim a surplus?
It depends on your state, but generally you can request a surplus anytime. The guide includes the timeline and how to act quickly.
Do I need a lawyer to get an escrow refund?
No — the guide is designed for you to do it yourself. If they refuse, the escalation plan includes legal options.
Reviews
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