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I personally disagree. It’s a big relief to me to not have to worry about insurance and taxes.

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Paying for the taxes a little each month is easier on your budget AND you can lose your property by not paying your taxes.

My Insurance has more than doubled in the past couple years.

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Happened to me when we built our first house. The escrowed amount was based on the empty lot & they didn't catch it for 2 years. Yup, it more than quadrupled our escrow amount for the next year to catch up.

Second house, we took the estimated taxes, divided by 12, and direct-deposited them into a savings account for taxes. The estimate was actually a little high so we end up with some bonus cash at the end of the year now!

You can pay it off or it gets tacked on. You’re going to pay it one way or the other.

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Terrible advice. Homes can be foreclosed on when taxes haven’t been paid. You could get sick and end up in hospital and forget to pay. Additionally, there are laws requiring the mortgage company follow a standardized formula for escrow.

Taxes do not change that often. They are put to vote for mil levies. You are given a chance to appeal your taxes. I think you’re confused on how this works.