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Tax and Insurance Payments. Your monthly mortgage payment will be used to repay the money you borrowed plus interest. Part of your monthly payment may be deposited into an "escrow account" (also known as a "reserve" or "impound" account) so your lender or servicer can pay your real estate taxes, property insurance, mortgage insurance and/or flood insurance. Ask your lender or mortgage broker if you will be required to set up an escrow or impound account for taxes and insurance payments.

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Table of Contents

Mortgage Brokers

Government Programs

CLOs. Computer loan origination systems

Types of Loans

Interest Rate, "Points" & Other Fees

Lender-Required Settlement Costs

Comparing Loan Costs

Lock-ins

Tax and Insurance Payments

Transfer of Your Loan

Mortgage Insurance

Flood Hazard Areas

Resources

Pardee Home Loans

Source: U.S. Department of Housing and Urban Development

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