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Howie, although you didn't ask me I would like to share what my husband and I did. For many years we paid PITI to the lender. The thing is that they would always be late sending the taxes or they would miscalculate and we would have to cough up more money immediately for the shortage. Finally we had had enough. We took that job away from the lender and dealt with it on our own. We were able to deal with the county and find out projected taxes and pay those. Anyone can do that as long as they pay at least 20% down. At least that is what I understand even today.

I no longer have a mortgage so I just deal directly with the county and they want to be paid once a year in early December. Homeowner's insurance is paid every six months. I like being in charge and increasing the amount in my personal impound account if the taxes go up.
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