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Mortgage miscalculations and overcharges can occur during the history of the loan. Importantly, the mortgage factors -- loan amount, interest rate, mortgage index or other variables may have been incorrectly used by the lender when calculating daily or monthly interest charges, amortization and loan balances. Moreover, monthly escrow payments and disbursements may be incorrect which results in excess funds held in the reserve or "cushion" account. In addition, the lender's software can sometimes miscalculate these variables. Loantech's loan history audits will uncover all overcharges and miscalculations.
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