[Rick Lee]

Escrows are pretty easy to double check. Taxes and insurance are firm numbers that show up in statements you get once or twice a year from your county and insurance co. The law requires banks to do an annual escrow analysis and refund overages. So it's not unthinkable that they have to collect shortages. It's happened to a me a few times and they send a letter saying I can mail them a lump sum check for the amount they fronted me or just tack on that amount/12 to each payment going forward. They don't get to charge fees for it; their benefit is the huge pool of interest they collect on escrowed funds between the annual or semi-annual tax and insurance payments.