Escrow, PMI and the other lines on a mortgage statement — each traced to the rule behind it.
Sep 23, 2026
Regulation X lists the 12-month repayment as one of the servicer's choices, not the borrower's. Here's the text.
Sep 22, 2026
Insurance you pay for that protects the lender — with two separate dates written into federal law for when it ends.
When the money held for your taxes and insurance falls short of what your servicer projected.
The Homeowners Protection Act sets two different numbers. Here's the text, word for word.
