There's a good chance you may be overpaying on your mortgage. Government studies have documented errors or overcharges on up to 70% of the mortgages with escrow (impound) accounts and PMI in the U.S. New changes in federal regulations require prompt refunds, but it's up to you to find the errors and overcharges in your mortgage, document them, and then claim your refund.

The Mortgage Monitor audit service makes all that easy. To date, it has helped homeowners obtain millions of dollars in cash refunds. You'll receive a personalized report of up to 20 pages which includes analysis of all ARM rate adjustments, your escrow account, PMI, principal prepayments, correct loan balance, and interest due on escrow. You will also receive specific information and forms for claiming all refunds due you and Mortgage Monitor will back you up as much as needed with your lender! A Mortgage Monitor audit normally costs $219 to $269. But as an AHA member, you can have your mortgage professionally audited for just $169 to $219. That's a $50 savings! To request a mortgage audit or obtain more information from Mortgage Monitor, call AHA member services at 1-800-470-2242 (or go to www.mortgagemonitor.com on the web), or call Mortgage Monitor directly at 1-800-283-4887 and have your AHA membership number handy.