Yes, we have checked. Our home is newly built so when they originally surveyed the area we were just paying “land taxes” due to the neighborhood not being completed and developed yet. That’s how the mortgage company explained it to me.

Yes I believe that’s what they did. They added the escrow shortage over 12 months making our new payment $2250 a month. The escrow shortage is an additional $600 a month on top of the mortgage, new taxes and new insurance rate

Im not too sure we were planning on taking out a personal loan then an auto loan to refinance