Beth
I sounds like you have an impound account set up so when the property taxes are due, there are funds available to pay the county property tax.

Based on your question you appear to be confused about this. How long have you had your loan? You might want to talk with the lender that helped you obtain the loan to find out more about the structure. From the mortgage company's point of view, your monthly payment needs to cover all the costs, which include principle, interest, probably some sort of mortgage insurance, and the pro-rated property taxes.

Hi Beth-
Erica Pittman-Gaynor with Keller Williams here. I would recommend you talk to a trusted lender. They could answer your primary questions and give you resources on where to start. There certainly are steps you can take. If you would like to talk to a couple lenders that I trust and have worked with for years, I would be happy to get you their contact info. I always recommend talking to at least two lenders so you can compare what they are telling you. If it's two completely different scenarios you know you need to find out why.
Let me know if I can help further~
Have a great day.

Erica

beth....the answers is yes, they can.......i know that's not what you wanted to hear........you must have had some equity going in to avaoid escrows.......is there enough equity now to roll your loan and get the rate down, possibly consolidate some credit card debt?..bob mcclure- success mortgage partners- plymouth, michigan...