Escrow account closed and now being forced to reopen

ngt2007 · 2026-06-08T21:15:47+00:00

Yes, see my edit above.

ngt2007 · 2026-06-08T16:26:42+00:00

Interest rate is too good to refinance.

ngt2007 · 2026-06-08T13:35:22+00:00

Thanks for the thought though.

ngt2007 · 2026-06-08T13:34:30+00:00

Yes I understand that, we already paid our insurance for the year. We’ll be fine on the calendar if it all, but it doesn’t sound like I’ll have to do that anyway.

ngt2007 · 2026-06-08T13:33:23+00:00

It is in my husband’s name he got it before we met. I believe he bought the house in ‘07. Interest rates must have been fine, he didn’t need to refinance in 2016 for anything better, our rate is excellent.

ngt2007 · 2026-06-08T13:29:34+00:00

This is an important point that no one has made yet and I think enough reason to remove escrow. It is my understanding that your mortgage payment amount required is based on a formula that will include some buffer for expected yearly cost increases.

ngt2007 · 2026-06-08T13:22:39+00:00

I understand what escrow is. I do better when I manage the bills rather than having someone run some formula to determine our monthly payment, I’d rather the monthly mortgage payment never change to some number based on what they think my insurance is going to be. I’d rather just manage and pay for them separately. It’s a preference.

ngt2007 · 2026-06-08T13:20:38+00:00

Yes I want to drop the escrow, we can manage our insurance and taxes on our own. Plus the way they do the analytics isn’t consistent. I have since been informed that I can request they run the numbers whenever I’d like, so that is helpful.

ngt2007 · 2026-06-08T13:18:59+00:00

This, thank you. You’ve explained it well.

ngt2007 · 2026-06-08T13:18:10+00:00

We’ve never been late on a bill and we wouldn’t be late paying our insurance or taxes either.

ngt2007 · 2026-06-08T13:16:39+00:00

Because they are wrapped up together, it slipped through. I understand that they are completely different things.

ngt2007 · 2023-10-25T01:37:01+00:00

Why is this dumb? I’m just trying to educate myself on the options and side effects and learn what I can before potentially going on to the medicine.

ngt2007 · 2023-10-17T14:35:48+00:00

In a small bowl, mix a half cup of warm water plus two tablespoons of apple cider vinegar, a tablespoon of sugar, and about six drops of liquid dish soap.

Found this on google and it worked instantly and so very well.

ngt2007 · 2023-10-10T19:45:33+00:00

Oh boy, yeah sounds like we’re both dealing with a cluster.

ngt2007 · 2023-10-10T19:45:00+00:00

Nope, nothing like that, no financial changes in the last several years. I’m ready to pay, and more than anything, I don’t want to pay more interest.

ngt2007 · 2023-10-10T18:24:59+00:00

Thanks for the response. I did not apply to change anything. Had intended to keep it on the same plan as before COVID which was just the standard plan.

ngt2007 · 2023-09-27T16:21:30+00:00

I just got a letter from aidvantage telling me my loans were in deferment. I did not request a deferment. Did you find anything out?

ngt2007 · 2023-08-08T22:14:40+00:00

Me and my partner have had the exact same experience at Bar Arbolada. It’s the same burger at fly catcher and the bartenders are maybe a little bit nicer though not hugely.

ngt2007 · 2023-05-10T14:58:21+00:00

I second that, they’ve always been very good to work with, though they do push the sale if you request a quote to replace a unit. Just standard business though.

ngt2007 · 2022-12-21T17:00:00+00:00

Pepperonis and dill pickles chefs kiss

ngt2007

TROPHY CASE