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Even if you have a fixed-rate mortgage with a fixed loan payment, be aware the escrow component of your mortgage can change. If at any point there is not enough money in your escrow account to pay an upcoming bill, your lender will likely ask you to pay a lump sum. If you don’t pay them in a timely manner, your lender will pay the bill and then expect you to reimburse them.
Remember, the money that goes into your escrow account is part of your mortgage, this includes property taxes, homeowners insurance, and/or mortgage insurance – not paying this portion of your mortgage can put your home in jeopardy of foreclosure.