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Escrow: GratefulSaver's Personal Finance Blog
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Home > Escrow # Escrow

November 6th, 2019 at 01:08 am

I've been sending and extra \$25 here and there to the escrow of one of our rental properties. Every year, there seems to be a shortfall due to the property taxes going up. Yesterday, I received a check from the mortgage company for \$206 for a surplus on our escrow and our mortgage payment went down \$26. I am going to continue paying the same amount and send the extra \$26 to minimize any escrow shortage next year.

### 4 Responses to “Escrow”

1. disneysteve Says:

Yeah, there always seemed to be a shortage when they did the annual update. I never thought about paying extra throughout the year. I just waited for them to tell me how much it was short and then sent in a check. It was never more than a couple hundred dollars. I guess not only can't they have a shortage but they can't have too much of an overage which is why you got money back.

Wow. I have never gotten escrow returned, but I have occasionally had to pay in the even of a shortage.

3. Smallsteps Says:

good for you that you have prepared for the escrow game.
I got a letter in September saying they thought I had a shortage and would contact me. Well I looked and saw they took double the property taxes out and when they corrected that.......... my payment for next year went down \$40 a month.
Usually there is a payout of extra fund but i have not seen anything i am going to contact them as i just saw the payment drop happens for the December payment.

4. rob62521 Says:

Sounds like you have figured out how to beat their system. Good for you!

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