Okay. So, I got this letter from my mortgage company yesterday. I always get one this time of year when they tell me what my new payment will be for the next year. Taxes and insurance being what they are, my payments fluctuate ridiculously. About two years ago, they informed me that I was $2000 in the whole. Huh? How did that happen? I had to break that up over the next year and end up paying out the nose for my house. Completely insane. Then last year, I got my letter from them adjusting my payment almost $200 less than it was the year before and they also enclosed a check for $700 due to an escrow overage. Excuse me? What the...? I gladly took the check and put it in savings, but still couldn't figure out exactly how all of that happened. This year, I'm short again. Imagine the drama that unfolded in my house yesterday when I opened the envelope. However, it's only a couple hundred short this time, but that's just insane. You would think that we would be able to get this stuff all figured out at some point. Work with me, people!!
Don't get me wrong, owning a home is a lot of fun. You can paint your walls hot pink if you want (and I would wonder about you if you did) and not have to ask a landlord. You can do just about whatever it is that you want to your house, which really is a heck of a lot of fun. But at the same time, it's a hassle when you have to deal with the likes of a mortgage company.
Sometimes, I just wish I could call them up, reach through the phone and thump them. That would make me feel better, I think.
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