My famous cry get a QWR and really you need to look at that life of loan history. In that letter demand your Life of Loan History, copy of Note, Deed of Trust, Riders, all Assignments of the Deed of Trust, TIL, Right of Rescission (if refi), Lender Final HUD-1, all disclosures and all loan documents in your file, copy of appraisal. Send this three times certified return receipt required and also send it to the Broker, Title Company and all others in the Chain of the Transaction.
This thread has a really good example:
My Countrywide escapade and Hi!
You have with that loan got to be kidding that the interest for 3 or 4 months and then tacking on the payment which includes interest.....get the QWR and get the Life of Loan reviewed. Some one is not using their calculator properly. There is also having them send you immediately how that interest is skewed for the 14K or so as it is 6 months payments at 2384.00 so were there 6 months payment delinquent that contributed to that expense? Plus the 14304.00 plus the 3 mos at 2384 and the 984 and 367 do not add up to 14912.00 roughly.
You need to get a written break down of these expenses and fees from the lender and explain that you do not under stand how this works and that this does not appear to add up so you need to see it in writing.