Escrow question.

[PoindexterOglethorpe]

2. Oh, dear.

You are not going to win here. The escrow going negative is going to make the company handling your mortgage very nervous. You will need to increase your payments enough so that the escrow does not go negative. Hopefully that's only ten or so dollars a month.

You might want to try to have a conversation with a real person at your current loan company.

I know, this is all difficult and tricky.

Not that my experience has any bearing on yours, but I've been rather surprised that since I bought my current home in 2009, the mortgage payment has varied wildly. Originally it was about $100/month less than my rent payment. Then, apparently because of various things that needed payment, it jumped by more than that $100. Over the years it's gone up and down. Recently I found a different insurance company and saved a lot on my mortgage insurance, saving me about $20/month on my mortgage payment.

I've resigned myself to the notion that I will never know exactly what I'll be paying. At least, as I often tell people (and this is true) I can afford my mortgage.