MORTGAGE OVERCHARGES ARE CAUSED BY A VARIETY OF FACTORS.

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MORTGAGE OVERCHARGES OCCUR FOR A  NUMBER OF REASONS.  THE TERMS OF A MORTGAGE MAY HAVE BEEN MISUNDERSTOOD OR MISINTERPRETED BY THE LENDER. IMPORTANTLY, THE  MORTGAGE VARIABLES  -- LOAN AMOUNT, INITIAL INTEREST RATE, MORTGAGE INDEX OR OTHER FACTORS MAY HAVE BEEN INCORRECTLY USED BY THE LENDER WHEN CALCULATING DAILY OR MONTHLY INTEREST CHARGES,  AMORTIZATION AND LOAN BALANCES.  MOREOVER,  MONTHLY PAYMENTS FOR ESCROW ACCOUNTS AND DISBURSEMENTS FOR ESCROW SUB-ACCOUNTS CAN OFTEN RESULT IN THE LENDER MAINTAINING EXCESS FUNDS IN THE RESERVE OR "CUSHION" ACCOUNT.  IN ADDITION, THE SOFTWARE USED BY THE LENDER CAN SOMETIMES  MISCALCULATE THESE VARIABLES.