Understanding Escrow Shortage Letters
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TikTokmortgagedadof3
🏠HOW YOUR MORTGAGE PAYMENT DOUBLED OVERNIGHT 1) ESCROW SHORTAGE Your servicer didn’t collect enough last year. So when taxes or insurance came due, your escrow account went negative. Now your new payment jumps because they’re refilling the shortage and collecting for next year at the same time. ⸻ 2) WHY THIS HAPPENS • Property taxes increased — county reassessed your home at a higher value • Homeowner’s insurance increased — your insurer raised premiums Either increase gets added to your mortga
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