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.

What this is

Run the audit your bank and insurer hope you never do

The process

Upload your statement — Drop in a mortgage statement or insurance declarations page (PDF or photo). No account setup beyond signing in, no manual data entry.
We run the audit — The tool checks the real numbers against RESPA escrow rules or your policy's coverage limits and flags anything miscalculated, missing, or out of line — with the total dollar impact added up for you.
You get a dispute-ready report — Every finding comes with a plain-English explanation and the total estimated savings, ready to hand straight to your lender or insurer.

No signup, no paywall — just the information your HOA can't keep from you.

Look up your state's real HOA statutes in plain language — assessments, meetings, elections, enforcement, foreclosure, and records.

Find a real, rated HOA management company in your state — phone, email, and website included, free to search.

Learn the common scams targeting HOAs — payment redirection, fake fee demands, phishing, and vendor invoice fraud — and how to protect yourself.

Real HOA news, aggregated and rewritten in plain language, ranked by real dollar amounts — the biggest wins and worst horror stories, always sourced.

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.