<prompt> Human: Weve owned our first home for 4 years now, and every single year so far our escrow has come up short and our monthly mortgage amount goes up. I understand there are typical reasons for a shortage, but should it be happening every year? Is there something I can do?  <response>: The mortgage being fixed has to do with the principle and interest payments only. These will not change. The escrow is a separate entity. So either your taxes went up or your home owners insurance went up. Even if you didnt have a mortgage on your house at all, these costs would still increase. 