re: My mortgage payment decreased this month....any advice?

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any advice?

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Escrow Change... Will prob jump sometime in the future.

I doubt you do, but if you live paycheck to paycheck and that amount made a big difference, don't go blowing it. More than likely, the Mortgage company will readjust your Escrow in the future and ask for more money.

I remember my last mortgage fluctuated from around 899-960 depending on the amount of funds in my escrow. I think its a law that they can only keep a certain % in your escrow.

On my new mortgage, I don't have an Escrow I pay taxes and insurance out of pocket and have invested that money to work for me. Why should the mortgage company make interest off of my property tax $$$ all year round