• We estimate how much your taxes and insurance will cost over the next 12 months. We base this on the last-known bill amounts from your taxing authority and insurance company. 
  • We divide that by 12 and add it to your monthly mortgage payment, and include a 2-month cushion amount. 
  • We determine if your account keeps the minimum balance required throughout the year or if your payment needs to be adjusted so your account stays balanced. 

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