Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
XX/XX/XXXX To Whom It May Concern.

My husband and I received a phone call regarding our complaint against AmeriHome Mortgage Lender for our mortgage and escrow account issues.

Based on the phone call, AmeriHome has not resolved our complaint and issues to take full accountability for their mistakes on our mortgage and escrow in anticipation of paying property taxes.

I am including more documentation to show AmeriHome has the correct values for our property taxes on our home and should have used these values in assessing our escrow for future payments. However, the escrow analysis shows incorrect values for specific tax payments and created an escrow shortage of almost {$8100.00} for our escrow account by the end of XXXX. 

Compounding the issue is for the future payments from our escrow account for XXXX and beyond where we will constantly be in a significant shortage for our escrow to increase our mortgage payments well above the {$4000.00} a month range to fix their mistakes in the escrow analysis for XXXX. 

Figure XXXX shows the mortgage statement from XX/XX/XXXX. On the statement, it clearly shows the payment made on XX/XX/XXXX for our utilities tax to XXXXXXXX XXXX in the amount of {$3900.00} in XXXX, Texas. 

Figure XXXX shows the mortgage statement from XX/XX/XXXX. On the statement, it clearly shows the payment made on XX/XX/XXXX for XXXX XXXX in the amount of {$1800.00}. This payment is for XXXX XXXX in XXXX XXXX, Texas. 

Figure XXXX shows the mortgage statement from XX/XX/XXXX. On this statement, it clearly shows the payment made XXXX XXXX, XXXX on XX/XX/XXXX in the amount of {$2900.00}. This payment is for XXXX XXXX in XXXXXXXX XXXX. 

Figure XXXX shows the escrow analysis dated on XX/XX/XXXX to explain the shortage in the escrow account and how much we were required to pay for the shortage. Please notice the area circled in RED for the XXXX XXXX XXXX in the sections titled Expected to Pay and Now Expect to Pay. 

Please notice the values inputted into the following Escrow Item for R.E. TAX and UTILITY/FRONT. These values are WRONG. 

Figure XXXX shows the Escrow Account History and Escrow Account Activity with the payment information with County Tax and County, School Tax CLEARLY LISTED for the payment and the month they were paid out of our escrow account.

However, the Escrow Account Activity from XX/XX/XXXX through XX/XX/XXXX shows the incorrect values AGAIN for the projected payments for all property taxes associated for our home. 

The statement clearly shows the incorrect amounts for RE Tax ( County Tax ) and ULITITY/FRONT ( XXXXXXXX XXXX XXXX ). 

These mistakes will put our escrow account in a shortage close to {$8100.00} by XX/XX/XXXX. 

Figure XXXX explains the regulations for the Escrow Account. In particular, Regulation XXXX explains how to conduct the escrow account analysis with the charges from the previous year and which are clearly given to AmeriHome in the mortgage payment statements PLUS the XXXX received on our home for XXXX XXXX XXXX in Figure XXXX. 

How did we realize these mistakes were in our account? We were trying to refinance our home to prevent us from losing it because of the increase in our mortgage payment and the loss of income from a change in jobs for my husband when working with XXXX XXXX from AmeriHome Mortgage. The email correspondences are included in the documentation. 

During the refinancing process, XXXX stated we would need to bring close to {$6000.00} to closing for it to happen because he discovered the values for the property taxes WERE WRONG in the XXXX system when he transferred the information from our original loan. The payment would have made our mortgage close to {$3100.00}. 

We did not have {$6000.00} in money to bring for closing with the change of total monthly family income. We needed every penny to pay off other debt and medical expenses. 

This is when I decided to dig into our statements to find out why there was a massive shortage in our escrow account. 

Lets break down the numbers for you and why we want XXXX to fix their mistakes by providing the {$8100.00} to pay off the shortage. 

XXXX UTILITY/FRONT ( XXXXXXXX XXXX ) {$3900.00} RE Taxes ( XXXX XXXX XXXX $ XXXX XXXX, Schools ( XXXX XXXX XXXX {$2900.00} Homeowners Insurance {$2300.00} Mortgage Insurance {$1500.00} Total Property Taxes/Insurance {$12000.00} Current Shortage Escrow {$1200.00} Cushion ( Federal Law Require ) {$1000.00} Total Escrow Account Needed XXXX {$15000.00} Current Escrow Payment {$1100.00} Number Months XXXX XXXX Total Escrow Amount {$7000.00} Shortage in Escrow XXXX - {$8000.00} XXXX UTILITY/FRONT ( XXXXXXXX XXXX ) {$3900.00} RE Taxes ( XXXX XXXX ) $ XXXX XXXX XXXX XXXX ( XXXX XXXX ) {$2900.00} Homeowners Insurance {$2300.00} Mortgage Insurance {$1500.00} Total Property Taxes/Insurance {$12000.00} Shortage Escrow XXXX {$8000.00} Escrow Amount Needed XXXX {$20000.00} Amount Paid Per Month {$1700.00} Current Principal + Interest {$2000.00} Monthly Mortgage Payment begin XX/XX/XXXX {$3700.00} AmeriHome Mortgage is responsible for the mistakes on our escrow. This mistake is costing us our home if it continues because we can not afford a mortgage payment close to {$4000.00} a month to pay off the escrow shortage created by mistakes made in the amounts listed on our account. 

We want AmeriHome Mortgage to fix it. Pay off the shortage in our escrow account to our new loan servicer before XX/XX/XXXX. Pay it. 

Then, we want an additional {$3000.00} for the pain and suffering caused by this financial situation. This has caused additional mental and health concerns for us. We are struggling to figure out how to pay off the escrow shortage while attempting to keep our home. 

All communication between AmeriHome Mortgage and us is VIA EMAIL ONLY. I want documentation to show how AmeriHome refused to work with us to fix their mistakes on our escrow account for our property taxes. 

Sincerely, XXXX XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation