<prompt> Human: A little background: My wife and I bought our first house a little over a year ago. Our mortgage, as typically is the case, was sold a couple of times from one company to another. Our current mortgage company purchased the loan in September of last year, and so they did an escrow analysis for those unfamiliar, escrow is the money your mortgage company adds to your payment to cover taxes and insurance for the mortgage. At the time, they lowered our payment by 270 because your initial analysis done by the original mortgage company prior to our loan being sold had us taking way too much money. I called the mortgage company three different times, and spoke with three different people, all of whom very confidently said the same thing about the escrow being too high. I didnt totally buy it, but it clearly was something they _should_ know how to handle.Fast forward to yesterday: My wife went online to pay our mortgage, as we do every month, and we got a notification that our escrow analysis for 2019 was complete. We came to discover that our account was 4600 in the negative because they werent taking enough for escrow, so we could either pay it back, or see our payment increase by 750month. My wife, understandably, starts panicking. I sit down and start looking over everything and it hits me: they calculated our taxes for a year instead of 6 months, which made it look like our property taxes are half of what they actually are. I called the mortgage company today and got an incredibly defiant We handled this correctly; check with your towns tax authority response.Fortunately, were in a position where we can take that one time hit, but its absolutely one that should never have happened had the mortgage company not improperly adjusted the escrow amount, lowering our payment in a way that it never shouldve been lowered. So, homeowners, be sure to keep an eye on your escrow analysis whenever you get a new one.TL;DR- Mortgage company miscalculated our taxes, causing a 750month increase in my mortgage due to their inability to do basic addition.  <response>: I worked in real estate law for several years and saw this happen all the time. Its a huge part of why I elected not to escrow when I bought my first house last year. I faced so much pushback on this decision. Everybody told me it was a horrible idea, that it would be easier to let the bank handle it. No thank you. Im an adult and know how to handle my money. Edit: spelling 