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Related Real Estate Law Questions
My mortgage was recently sold to a new loan company. The
My mortgage was recently sold to a new loan company. The company has doubled my escrow amount based on a cushion they say. What are my options? Can i change loan companies? Can I cancel my escrow acco… read more
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My mortgage company sent me my escrow analysis. They
My mortgage company sent me my escrow analysis. They determined that my required minimum balance for the next 12 months is $1,144.14 which equals a reserve of 2 month escrow deposit. They say that fed… read more
KellenC46
KellenC46
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Don't know if RESPA is applicable? Apologies this is so. I
Don't know if RESPA is applicable? Apologies this is so long. I believe my mortgage company is seriously overcharging our escrow account. Due to previous errors / oversight with both the insurance com… read more
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TJ, Esq.
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I'm refinancing and closing in Dec. My current mortgage
I'm refinancing and closing in Dec. My current mortgage company will pay my taxes. Taxes are due every dec at $2400 insurance is $1200 due in April. how much can the new company charge me for escrow … read more
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My mortgage company is raising my mortgage saying I do not
My mortgage company is raising my mortgage saying I do not have enough money in my escrow account. If I pay the escrow reserve amount in full the mortgage company is raising my mortgage payment anyway… read more
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TJ, Esq.
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I have a conventional 30 year mortrgage with PMI paid by
Hello, I have a conventional 30 year mortrgage with PMI paid by lender. My mortgage company(First Land Mortgage Servicing ) raised my PMI by 55.00 per month without warning last October. When I called… read more
TJ, Esq.
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Second opinion] I have a conventional 30 year mortgage with
Second opinion] Hello, I have a conventional 30 year mortgage with escrow paid by lender. My mortgage company(First Land Mortgage Servicing ) raised my escrow by 55.79 per month in October 2017 for a … read more
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My mortgage company wants to make me put two months
hi my mortgage company wants to make me put two months insurance and taxes in escrow and they said according to respa law they can do it. I cant find anything referring to this … read more
Barrister
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My husband and I refinanced our home in 2014. Loan Terms:
My husband and I refinanced our home in 2014. Loan Terms: "Even if you make payments on time can your monthly amount owed, for principal, interest and mortgage insurance rise? No." Nationstar raised o… read more
Lucy, Esq.
Lucy, Esq.
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3yrs ago I refinanced my house and paid $1470a mo. A year
3yrs ago I refinanced my house and paid $1470a mo. A year later another mortgage co. bought that mortgage and raised my mo. payment $160 a mo. saying I was behind in escrow. Taxes went up $500a yr. Th… read more
Barrister
Barrister
Lawyer
Doctoral Degree
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When a mortgage company also collects taxes and insurance
When a mortgage company also collects for property taxes and insurance through an escrow account. Are there any laws that restrict the mortgage company from collecting too much each month. If the lowe… read more
Ray
Ray
Lawyer
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I am thinking of refinancing, second time, my primary
I am thinking of refinancing, for a second time, my primary residence in Houston, Texas. My bank has worked up an informal estimate (NOT a good faith estimate) of closing costs and a monthly mortgage … read more
TJ, Esq.
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Juris Doctor (JD)
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I did a modification to reduce my monthly payments after which
I did a modification to reduce my monthly payments after which Bank Of America the servicer transferred my loan to a new servicer Green Tree. Since that transfer there has communication issues. On the… read more
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My servicer I believe is overcharging me in escrow, this cushion
My servicer I believe is overcharging me in escrow, this cushion account and some shortage payment in which I have no idea what is included in that. How can I go about getting some help from an real e… read more
Law Pro
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Need to know where I can find the RESPA law that notes how
Need to know where I can find the RESPA law that notes how much a mortgage company is allowed to pad morgage payments for unforseen increases in escrows.… read more
Loren
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Good evening, We have recently been told by Wells Fargo that
Good evening, We have recently been told by Wells Fargo that our escrow account is short over 4,000. The cause of this is that they looked on cook county il assessor website and took the first install… read more
Alex J. Esq.
Alex J. Esq.
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Doctoral Degree
19,661 satisfied customers
Is there a law that states a mortgage lender cannot require
Is there a law that states a mortgage lender cannot require an escrow payment over 1/12th the projected debt so as to spread the payments over 12 months? If there is a shortage in the projected escrow… read more
KimberlyLaw
KimberlyLaw
Attorney
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Mortgage companies and bankers hold withhold extra money each
Mortgage companies and bankers hold withhold extra money each month (besides interest and principal payments) for the eventual payment of home owner's insurance and real estate taxes. This extra amoun… read more
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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