Monroe County escrow shortage: why your year 2 payment rose
Why did my escrow payment go up after the first year in Monroe County NY? Your loan did not change. Your escrow account did. At closing, the lender estimated your taxes and insurance, often using the prior owner's bill and exemptions. Once the real Monroe County town, county and school bills arrive,
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PMI removal in Monroe County: the 80 percent rule
How do I get PMI removed from my mortgage in Monroe County NY? Ask your servicer in writing once the balance reaches 80 percent of the home's original value, with payments current. The servicer may require a valuation at your expense. At 78 percent of original value, federal law makes cancellation a
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Mold testing in Greece NY after a wet basement
Should I get mold testing after finding a wet basement in a Greece NY home? Not always. Start with a visual moisture assessment by your home inspector. Order mold testing in Greece NY when there is a musty odor with no visible source, finished walls that may be hiding damage, or a seller disclosure
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