<prompt> Human: We purchased a home almost a year ago. Our lender contacted us this month, stating that they are increasing our payments by 200 a month. Original payment was 2057, now its going to be 2250. When we contacted them, they stated that the reason was due to a negative balance in our escrow for property taxes. After investigating further, we found out that they messed up payments to our property tax, therefore the state sending us additional bills for the unpaid taxes. Long story short, both the lender AND the state screwed up, and they are working out giving refunds sorting our accounts out. I contacted our lender again, stating that we shouldnt be punished for their mistake. They informed me that i still have to pay the higher amount until they all work it out, which will take at least 2-3 months. They also stated that if i only pay the amount that i was originally supposed to pay, that they would charge me late fees and report missed payments. This seems absolutely unprofessional, and Im very unsure of what my rights are, and how they can just raise our payment by 10 for THEIR screwup. Im looking for advice on how I should go about this, and what are my rights?  <response>: Yes, this is normal. Escrow is recalculated every year and a shortage or surplus in the account will change your payments. Get above 80 LTV and you should be able to take tax payments out of the escrow and then you can manage this yourself. In the meantime you are stuck with whatever goofball does the calculations for the bank and careen high and low from year to year as they muddle their way through. Look at your mortgage documents. Its in there in 99 of all mortgages. 