It could come either way (a check up front, or a reduction in your monthly escrow payments for next year). I've had both happen to me. Sometimes you have a choice.In any case, it should happen with your annual escrow analysis, which might not be for a few months.Be warned, however. Remember those kids in third grade who wandered around in a daze, had trouble tying their shoes, and couldn't spell to save their lives? They went to work for bank escrow departments.
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