<prompt> Human: I got a letter pertaining to my mortgage, stating that according to the terms and conditions to the loan that they are able to raise the monthly payment of the loan at any time. Im trying to figure out how this is allowed, but Im getting a lot of smoke and mirrors from them Wells Fargo. You need to talk to this specialist, in this department, then to another and so on until its been an hour and I need to get back to work.My understanding of the loan I took out was that it was a fixed rate mortgage hence my confusion. Im assuming this is to cover escrow, but it seems like if I was short at any time in the year for my taxes, it would show up on my personal taxes and reported there.is this common practice among banks or would it be worth going to a credit union where it seems like the shady dealings are less?Edit: Thanks folks for all the help. You all have been awesome on helping me understand this. It does look like its a taxesescrow change. Heres to owning mountains of debt!  <response>: Its pretty common to adjust escrow for taxes as your yearly rate changes. If the situation were reversed, and tax time came due - and you owed 600 that you didnt see coming - you would be pissed off that the bank didnt tell you that bill was coming. 