Your loan, modeled free. With Pro, watched daily.
Set it up once. With Pro, CasaCrow checks your mortgage every day and writes to you when something may be worth a look.
Add your loan
Sign up free. We email you a 6-digit code to sign in, so there is no password to pick. Then upload your Closing Disclosure or your latest mortgage statement. Both forms use set labels, so we read the labels and fill in what we find. We leave a field blank when we are not sure, rather than guess at it.
You can also just type it all in. Either way it takes about two minutes.
- No password
- No card to start
- Upload or type
We build the model
We build your payoff schedule from your own figures. Then we split your payment into four parts. Two of them pay down the loan itself. Those are your principal and your interest. The other two are held for you and paid out later. Those are your property taxes and your homeowners insurance. Lenders call all four of them PITIThe four parts of your payment: principal, interest, taxes, insurance.Click to open the full glossary.. PMI sits on top.
We start the clock on your first payment date, not your closing date, because a mortgage is paid in arrearsYou pay for the month you have just finished, not the one ahead.Click to open the full glossary.. Property taxes and homeowners insurance are estimates, built from rate data for your state and county.
- Both PMI dates: 80% and 78% LTV
- Rate data for all 50 states
We watch it, and email you
With Pro, a job checks your loan against your model once a day. As you near the point where you may ask to cancel PMIInsurance that protects the lender, paid by you, often until you have about 20% equity.Click to open the full glossary., we email you. We also write at each payoff milestone: 25%, 50% and 75% paid off.
We also email you when rates reach your target and the math shows a saving. And before your county’s appeal window opens, once you set up Property Tax Watch. Your escrowAn account your servicer uses to pay your taxes and insurance.Click to open the full glossary. projection is on your dashboard. Alerts arrive by email, and by push if you turn it on. Every alert has its own on-off switch.
- Checked daily
- Email and push
- Every alert has an off switch
You decide what to do
Our PMI and refinance alerts say what a step may be worth in dollars. Every alert says what you could do next. Ask your lender to cancel PMI. The PMI Removal Kit can draft the letter for you. Appeal your property tax assessment, using the evidence checklist we lay out. Weigh a refinance against the latest average rates and your own break-even point.
The decision is always yours. We show you the math and the timing. Your lender, your county, and your insurer still have the final say.
What is free, and what Pro adds
You can model your loan without paying us a cent.
Free
No card- Your payoff schedule and balance
- Your payment, split into principal, interest, taxes and insurance
- Your equity and loan-to-value today
- Both PMI dates: request at 80%, automatic at 78%
- Extra-payment what-ifs
Pro
The daily watch- PMI and payoff milestone alerts
- Escrow shortage alerts on your dashboard
- Refinance alerts at the rate you target
- Property Tax Watch and Title Guard
- Maintenance reminders and an encrypted document vault
Free tells you where your loan stands today. Pro checks it every day and tells you when a step may be worth a look.
Escrow, checked early
Plenty of owners see their payment jump after year one. The usual cause is a first-year escrowAn account your servicer uses to pay your taxes and insurance.Click to open the full glossary. estimate that came in low. Three things push it up. A sale can reset your tax assessment to the price you paid. Homeowners insurance can rise at renewal. And the last owner’s homestead exemption comes off your bill.
So we run a month-by-month check like the one your servicer runs at its yearly escrow analysisThe yearly check that resets how much escrow you pay each month.Click to open the full glossary.. We find the low point in the year. Then we weigh it against the cushion federal rules allow. If a shortage looks likely, we flag it so you can plan ahead.
See the numbers on your loanMade-up figures, shown to explain the check. Your own gap could be larger, smaller, or none at all.
Common questions
Yes. You can build the full model of your loan for free, and keep it. We do not ask for a card. Pro adds the daily watch: PMI and refinance alerts, escrow shortage alerts on your dashboard, home maintenance reminders, Property Tax Watch, Title Guard, and an encrypted vault for your documents.
Your payoff schedule and your PMI dates come from the loan numbers you enter. Enter your exact closing figures, and the dates follow your loan schedule. Your servicer still has the final say. Property taxes and homeowners insurance work differently. Those two are estimates unless you enter your own. We build them from tax and insurance rate data for your state and county, not from your own bills. So your real bills may be higher or lower. Check any number with your lender before you act on it.
You can upload a Closing Disclosure or a recent mortgage statement. Both use standard labels. So we can pull your loan amount, your interest rate, your term, and your key dates. We fill a field only when the label is clear. Property taxes, homeowners insurance and PMI usually sit inside one escrow line. You enter those three yourself.
Yes, on its own. We do not link to your lender, so your payments never reach us. Your balance follows your loan schedule instead. It goes down on each payment date, as if you pay on time. Paid extra, or does your statement show a different balance? Enter it in the app, and every number updates.
Alerts come with Pro. They arrive by email, and by push if you switch it on. A job checks Pro loans once a day. You choose which alerts you want, one by one, on the Notifications page in the app.
We encrypt your data when we send it and when we store it. We do not sell it. You sign in with a code we email you, so there is no password to steal.
Yes. Cancel from Manage Plan at any time. We ask why you are leaving, but you can skip that. We may also offer you a lower price to stay. On a paid plan, you keep Pro until the end of the term you paid for. If you started checkout for your free trial at or after 00:00 UTC on October 14, 2026 (8:00 PM Eastern, 5:00 PM Pacific on October 13), cancelling the trial ends Pro straight away, and you are not charged. If you started it before then, you keep Pro until the trial ends, and you are not charged. Manage Plan tells you which applies to you before you confirm.
Put a daily watch on your mortgage
Free to start. No card. About two minutes to set up. The daily check comes with Pro.
Check My MortgageEstimates only, not financial, tax, or legal advice. Verify with your lender.
CasaCrow is not a lender or a broker. Your own result may differ. Read our Terms.