Your loan, modeled and watched daily
Set it up once. CasaCrow checks your mortgage every day and writes to you when something is worth a look.
Add your loan
Sign up free. We email you a link 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
A job runs once a day and checks your loan against your model. We email you the month you become eligible to request PMIInsurance that protects the lender, paid by you, until you own 20%.Click to open the full glossary. cancellation, and again at each payoff milestone: 25%, 50% and 75% paid off.
We also email you if your escrowAn account your servicer uses to pay your taxes and insurance.Click to open the full glossary. is heading for a shortage. Or if rates hit the target you set. Or if your county’s appeal window is about to open. 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
Each alert says what the step may be worth in dollars, and what to do next. Ask your lender to cancel PMI, using the letter we draft for you. Appeal your property tax assessment, using the evidence checklist we lay out. Weigh a refinance against today’s market 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 and surplus warnings
- 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 watches it every day and tells you the month it is worth doing something.
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 the same month-by-month check 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 is building, we flag it while there is still time to plan.
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 warnings, 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 are exact. Property taxes and homeowners insurance work differently. Those two are estimates. 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.
By email, and by push if you switch it on. A job checks your loan once a day. You choose which alerts you want, one by one, in your account settings.
We encrypt your data when we send it and when we store it. We never sell it. You sign in with a link we email you, so there is no password to steal.
Yes. Cancel from Manage Plan at any time. We will not ask why. You keep Pro until the end of the term you paid for.
Put a daily watch on your mortgage
Free to start. No card. About two minutes to set up.
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.