<prompt> Human: Hello. with our monthly mortgage statement, we got a separate letter saying our review shows your escrow account has a shortage of xxx.xx. Once we pay your upcoming insurance andor tax payments, your escrow account will fall below the required min balance.and because of this, i have 2 options. either pay it in full, or split it monthly for 12 months payment added to my monthly mortgage account.I was wondering if this is normal occurrence? for my payment to be increased with literally less man a months notice due to some review?what could i do to lower it back to what it was?  <response>: Well, taxes and insurance do change on an annual basis, so it shouldnt be a surprise. 