<prompt> Human: I can verify that the check is actually from my mortgage company. This is my first house and I only bought it around 9-10 months ago. The letter says that I am being cut a check because there is a surplus in my escrow. There is also an included itemized list of amounts for how much was paid into the escrow and what they have been paying out for taxes, insurance, etc. so that I can see that there is actually a surplus. Is this common? Should I set this money aside in case they made an error?Edit: thanks to everyone that took the time to reply, looks like I just caught a lucky break!  <response>: I can attest that the reverse is common. Property taxes increase, escrow shortage, and a payment is requested.Makes sense that the reverse is possible. This rounds on you, mate! 