Quote Originally Posted by abejita View Post
We do not use escrow for our taxes. I just put the money in our savings account each month and pay the lump some at the end of the year and I get a little interest to boot.
Well, good for you, it's nice you have that option. But, unfortunately, some mortgage programs and lenders don't allow for that. It's a way the lenders make extra money, under the guise of "protecting themselves".