<prompt> Human: As you can tell from the title, I received a letter from Chase Mortgage stating that my monthly mortgage will now increase by 150. Their reason being is that I was short 960 in escrow. I am just now coming up on my 2nd year of homeownership and am unsure of what I can do. I bought the house because it was affordable and I could easily make the payments. If I knew that the mortgage would increase like this then I would have never bought it to begin with. Money is tight at the moment and it will make things very difficult.I do not know how they determine my account to be short as I have paid the exact amount asked of me every month and on time.If there is anything I can do please let me know.  <response>: This isnt your mortgage going up. It is either your taxes or insurance. Every month a portion of you payment is diverted to escrow to pay those bills. If you are short that means they underestimated your taxes or your insurance increased. Check your bills and see. If it was your insurance then you might be able to call around for a cheaper one. I bought the house because it was affordable and I could easily make the payments.If a 150 increase puts you in a tight spot you couldnt easily afford it. 