Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: NJ

Complaint narrative:
My son and I purchased a home located at XXXX XXXX XXXX, XXXX XXXX NJ XXXX, in XX/XX/XXXX and since then XXXX different mortgage companies sold and purchased our mortgage. The last and current one is AmeriHome mortgage company, which we start making our {$4700.00} beginning XX/XX/XXXX, so we just paid XXXX, XXXX and XXXX, then we received a letter from AmeriHome mortgage company in middle of XXXX, stating that our monthly payment of {$4700.00} has been changed to {$5700.00}, due to forecasted increased real estate tax and insurance coverage. I visited township and obtained the latest tax assessment of XXXX to be same as XXXX {$14000.00} and XXXX XXXX insurance annual coverage of {$1900.00} with no change as of last year 's amount. Therefore after several time communication via telephone with AmeriHome mortgage, I sent them an email with my tex assessment and letter from insurance company indicating that since there was no change to this XXXX items, I will not pay the new {$5700.00} which is very difficult and absolutely no legal reasons for us to pay. Following is my letter to them. From : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX To : AmeriHome Mortgage Company , LLC XXXX : XXXX Department XXXX Customer Service XXXX XXXX XXXX, XXXX, GA XXXX Re : FORMAL DISPUTE OF ESCROW SHORTAGE ANALYSIS AND MORTGAGE PAYMENT INCREASE Property Address : XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Loan Number : XXXX Statement Date : XX/XX/XXXX Dear AmeriHome Mortgage Escrow Department, I am writing in formal dispute of the Annual Escrow Account Disclosure Statement dated XX/XX/XXXX, wherein AmeriHome Mortgage has determined an escrow shortage of {$7000.00} and has increased my monthly mortgage payment from {$4700.00} to {$5700.00}, effective XX/XX/XXXX, an increase of {$1000.00} per month. After careful review of the escrow analysis and verification with both the XXXX XXXX XXXX XXXX Collector XXXX XXXX and my homeowner 's insurance provider, XXXX XXXX XXXX, I have determined that the escrow shortage and the resulting payment increase are based on materially inaccurate data. I respectfully but firmly request an immediate correction and recalculation of my escrow account. I. DISPUTED ITEM XXXX PROPERTY TAX OVERESTIMATION In your escrow projection, AmeriHome has projected annual property taxes of {$15000.00} for the upcoming escrow period. This figure is factually incorrect. I have personally obtained the official XXXX Final / XXXX Preliminary Tax XXXX directly from the XXXX XXXX XXXX XXXX Collector XXXX XXXX, located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX, telephone ( XXXX ) XXXX. This official document, attached hereto as Exhibit A, confirms the following : Block : XXXX | Lot : XXXX Tax Account Number : XXXX XXXX Total Net Tax : {$14000.00} XXXX Preliminary Tax ( equal to one-half of XXXX net tax ) : {$7000.00} XXXX Quarterly Payments : {$3500.00} per quarter ( XXXX and XXXX confirmed ) The correct annualized property tax figure is {$14000.00}, not {$15000.00} as used in your escrow analysis. XXXX has therefore overestimated my annual property tax obligation by {$1700.00}, which directly caused an inflated escrow shortage calculation. AmeriHome Projected Tax : {$15000.00} Actual Confirmed Tax : {$14000.00} Overestimation Amount : {$1700.00} XXXX. DISPUTED ITEM XXXX HAZARD INSURANCE INCREASE In your escrow projection, AmeriHome has projected annual hazard insurance of {$1900.00}. I have confirmed directly with my homeowner 's insurance provider, XXXX XXXX XXXX, that there is no increase in my homeowner 's insurance premium for XXXX. My current annual premium remains unchanged. A written confirmation from XXXX XXXX XXXX is attached hereto as Exhibit B, verifying that my XXXX premium amount has not increased. Therefore, the hazard insurance figure used in your escrow analysis should reflect my actual confirmed premium not an inflated projected amount. XXXX. IMPACT OF ERRORS ON ESCROW SHORTAGE CALCULATION The escrow shortage of {$7000.00} and the resulting payment increase of {$1000.00} per month are direct consequences of the XXXX inaccuracies identified above. When corrected with verified actual figures, the escrow shortage is substantially reduced or eliminated entirely. I am requesting that AmeriHome immediately : XXXX. Recalculate the escrow analysis using the correct property tax figure of {$14000.00} as confirmed by XXXX XXXX XXXX ; XXXX. Recalculate the escrow analysis using my confirmed unchanged XXXX XXXX XXXX premium ; XXXX. Rescind the payment increase to {$5700.00} effective XX/XX/XXXX ; XXXX. Restore my monthly payment to {$4700.00} pending completion of the corrected escrow analysis ; XXXX. Provide me with a revised XXXX XXXX Account Disclosure Statement reflecting the corrected figures within 30 days of receipt of this letter. IV. LEGAL BASIS FOR THIS DISPUTE This dispute is submitted pursuant to the following applicable federal laws and regulations : Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2605 which governs escrow account administration and requires servicers to conduct accurate escrow analyses based on actual and reasonably projected costs ; Regulation X, 12 C.F.R. 1024.17 which specifically governs escrow account practices, requires that escrow account analyses be based on reasonable estimates, and limits the cushion a servicer may maintain to no more than one-sixth ( XXXX ) of the total annual escrow disbursements ; 12 C.F.R. 1024.35 which provides borrowers the right to submit a Notice of XXXX to their mortgage servicer, and requires the servicer to acknowledge receipt within XXXX business days and respond with correction or explanation within XXXX to XXXX business days. This letter shall serve as a formal Notice of XXXX pursuant to 12 C.F.R. 1024.35. V. REQUESTED RESPONSE AND TIMELINE Pursuant to Regulation X, 12 C.F.R. 1024.35 ( e ), I request that AmeriHome Mortgage : 1. Acknowledge receipt of this Notice of XXXX in writing within XXXX business days ; XXXX. Complete its investigation and provide a written response with corrected escrow analysis within XXXX business days ; XXXX. Confirm in writing that no adverse credit reporting, late fees, or penalties will be assessed against my account during the pendency of this dispute. All future correspondence regarding this matter should be directed to me in writing at the address listed above, and by email at [ YOUR EMAIL ADDRESS ]. I have enclosed the following supporting documents : Exhibit A XXXX XXXX XXXX XXXX Final / XXXX Preliminary Tax Bill confirming annual tax of {$14000.00} Exhibit B XXXX XXXX XXXX written confirmation of no premium increase for XXXX I expect this matter to be resolved promptly and correctly. I am fully prepared to escalate this dispute to the Consumer Financial Protection Bureau ( CFPB ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and retain legal counsel if AmeriHome fails to correct this error in a timely and professional manner. This letter is also sent by register mail as well. Thank you for your immediate attention to this matter. Respectfully and formally submitted, XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : Exhibit A Township tax XXXX, Exhibit B State Farm Insurance

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 non-monetary relief