Escrow analysis
Upload your mortgage statement and we check every line for miscalculated escrow, duplicate charges, and fee errors.
Always free. No credit card.
Find the Overcharges Hiding In Your Escrow
Free software that checks your mortgage and insurance statements for billing errors and overcharges — no trials, no premium tiers, no catch.
Everything in one place
Run the audit your bank and insurer hope you never do
Insurance premium checks
Compare your premium against market rates and flag coverage you're paying for but don't need.
Dispute-ready reports
Get a plain-language summary you can hand straight to your lender or insurer to challenge a charge.
Part of the FreeHOA family
Mortgage & Insurance Audit is one of six free tools from FreeHOA — all free, no trials, no premium tiers.
Visit FreeHOA.comHOA Management
Run your HOA without the software bill — dues, violations, documents, voting, and announcements, all free.
Visit siteHome Manager
Every home task, document, and warranty in one place.
Visit siteAppeal My Property Taxes
Build a property-tax appeal in minutes.
Visit siteUtility Bill Optimizer
Trim recurring utility costs automatically.
Visit siteHOA Fine Review
Catch procedural errors in your HOA fine notices.
Visit siteMoving to FreeHOA.com
Two more free tools from the FreeHOA family.
CC&R Decoder
Upload your governing documents and get back plain English — the same decoder that powers HOA Fine Review, now available on its own for any homeowner who just wants to know what their HOA's rules actually say.
Visit siteHOA Board Recall Kit
For communities ready for bigger change — a complete packet for recalling your board of directors, built on the same CC&R Decoder as HOA Fine Review so you know exactly what your governing documents require before you act. Whether or not that means moving to FreeHOA, we hope it does.
Coming SoonContact us
Have a question, want to partner, or already a customer? Send us a note and we’ll get back to you.
Prefer email? Reach us directly at admin@freehoa.com.