🤬Bitch Escrow BS

[Juggs]

Juggs is getting angry.

Late 2020 I refinanced with a different mortgage company. My payment basically stayed the same.

Mid 2021 I changed homeowners insurance and my annual fee went down.

Dec 2021 Rocket says there was some "issue" with the homeowners insurance payout with escrow that created a shortage, so for 2022, I had to backpay for it. Didn't make much sense, but fuck it, it was just 1 year.

Dec 2022 My payment isn't going back down the $220ish per month that it was supposed to. The twat I talked to at Rocket said that's how Escrow works and she can't find any trace of it. Of course I point out that my taxes haven't changed by any noticable amount and my insurance went DOWN, so how the fuck is my monthly payment increase by over $200/mo that happens to coincide with the amount of the insurance. Are you saying they lied to me last year? Or are you lying to me now?

I can't get any god damn answers for the miraculous increase other than the reason they gave me last year. Yet the specifics of the loan/escrow aren't any different now than 2 years ago.

I'm going to lose my shit with these assholes. Any advice?

 

[DocZaius]

My lender (SunTrust, now Truist) does an escrow review every year and they give me a statement with it showing how it was calculated.

Can't they give you some kind of documentation?

 

[Juggs]

My lender (SunTrust, now Truist) does an escrow review every year and they give me a statement with it showing how it was calculated.

Can't they give you some kind of documentation?

Well, they haven't actually done the analysis, which will be done this month. They just told me the projected amount, which supposedly won't change.

Every bit of documentation of the past is conveniently unavailable as I get errors when I try to view or download anything. And that's what they keep telling me to do is get it from the website.