{"id":10806,"date":"2021-01-21T12:00:51","date_gmt":"2021-01-21T19:00:51","guid":{"rendered":"https:\/\/homewise-homewise-org.oakleystudio.com\/?p=10806"},"modified":"2023-12-13T14:15:50","modified_gmt":"2023-12-13T21:15:50","slug":"what-you-need-to-know-about-escrow","status":"publish","type":"post","link":"https:\/\/homewise.org\/es\/what-you-need-to-know-about-escrow\/","title":{"rendered":"Lo que necesita saber sobre el dep\u00f3sito en garant\u00eda"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10806\" class=\"elementor elementor-10806\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3523aa6 elementor-section-full_width elementor-section-height-min-height elementor-section-items-top elementor-section-height-default\" data-id=\"3523aa6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dcf82db\" data-id=\"dcf82db\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8bde8fb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"8bde8fb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cb91a17\" data-id=\"cb91a17\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-854df64 elementor-widget elementor-widget-spacer\" data-id=\"854df64\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-c2eea50\" data-id=\"c2eea50\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-398a84d top-h1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"398a84d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4739d3e\" data-id=\"4739d3e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e27a413 elementor-widget elementor-widget-heading\" data-id=\"e27a413\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">What you need to know about escrow<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4f8e65d\" data-id=\"4f8e65d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3be5f26 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3be5f26\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2d0639a\" data-id=\"2d0639a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72eff106 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"72eff106\" data-element_type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_translateX_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:50}},&quot;motion_fx_blur_effect&quot;:&quot;yes&quot;,&quot;motion_fx_blur_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:13,&quot;sizes&quot;:[]},&quot;motion_fx_blur_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:36}},&quot;motion_fx_blur_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94099f0 elementor-widget elementor-widget-post-info\" data-id=\"94099f0\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-e7f79eb elementor-inline-item\" itemprop=\"author\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" class=\"elementor-avatar\" src=\"http:\/\/34.106.141.153\/wp-content\/uploads\/2021\/06\/homewise-logo-favicon-2021-96x96.png\" alt=\"Picture of Homewise\" loading=\"lazy\">\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-author\">\n\t\t\t\t\t\t\t\t\t\tHomewise\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-fb88251 elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-calendar\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>enero 21, 2021<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-896229b elementor-widget elementor-widget-text-editor\" data-id=\"896229b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW14649642 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW14649642 BCX8\">H<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">ave<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> you<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> owned your home for at least a year<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">? If so, <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">you should expect to receive <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">an<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> annual escrow statement<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">.<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> This statement <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">contains<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> a lot of <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">im<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">portant information<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> about changes to your mortgage account. <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">We know it can <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">be <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">a bit overwhelming at first, which i<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">s why we are going to<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> answer some <\/span><span class=\"NormalTextRun SCXW14649642 BCX8\">frequently<\/span><span class=\"NormalTextRun SCXW14649642 BCX8\"> asked questions<\/span> <span class=\"NormalTextRun SCXW14649642 BCX8\">and breakdown how to read your escrow statement.<\/span> <\/span><span class=\"EOP SCXW14649642 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e91ef10 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e91ef10\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-994585e\" data-id=\"994585e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f61ddbc elementor-widget elementor-widget-heading\" data-id=\"f61ddbc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is an escrow account?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2584b1f elementor-widget elementor-widget-text-editor\" data-id=\"2584b1f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW218331636 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW218331636 BCX8\">When you closed on your home loan, an <\/span><span class=\"NormalTextRun SCXW218331636 BCX8\">escrow account<\/span><span class=\"NormalTextRun SCXW218331636 BCX8\"> was created to set aside money to pay your property taxes and homeowner\u2019s insurance<\/span><span class=\"NormalTextRun SCXW218331636 BCX8\">. The goal of your escrow account is to help make it more manageable for you to pay these expenses. <\/span><span class=\"NormalTextRun SCXW218331636 BCX8\">Instead of paying these bills as one lump sum, your escrow account allows you to spread the cost of your taxes and insurance over the course of a year.<\/span><\/span><span class=\"EOP SCXW218331636 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74aa102 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74aa102\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c089760\" data-id=\"c089760\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36594b0 elementor-widget elementor-widget-heading\" data-id=\"36594b0\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How does it work?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f1486b elementor-widget elementor-widget-text-editor\" data-id=\"4f1486b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW215197566 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW215197566 BCX8\">Each month when you make your mortgage payment, <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">it\u2019s<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\"> divided among <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">p<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">rincipal, <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">i<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">nterest, <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">p<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">roperty <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">t<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">axe<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">s<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">,<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\"> and <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">h<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">omeowner\u2019<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">s <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">i<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">nsurance<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">.<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\"> The taxes and insuranc<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">e<\/span> <span class=\"NormalTextRun SCXW215197566 BCX8\">p<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">orti<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">o<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">n<\/span> <span class=\"NormalTextRun SCXW215197566 BCX8\">of your mortgage payment goes into your escrow account and your l<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">ender <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">uses that money to pay your property taxes and homeowner\u2019s insurance bills when they <\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">are<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW215197566 BCX8\">due.<\/span><\/span><span class=\"EOP SCXW215197566 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-278cba3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"278cba3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8595796\" data-id=\"8595796\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b797de2 elementor-widget elementor-widget-heading\" data-id=\"b797de2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What\u2019s an annual escrow statement?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ff8d55 elementor-widget elementor-widget-text-editor\" data-id=\"3ff8d55\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW142786445 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW142786445 BCX8\">A<\/span><span class=\"NormalTextRun SCXW142786445 BCX8\">n<\/span><span class=\"NormalTextRun SCXW142786445 BCX8\"> escrow statement is like a bank statement for your escrow account. It shows how much you put in, how much was paid out and when. Since property taxes and homeowner\u2019s insurance costs can change from year to year, <\/span><span class=\"NormalTextRun SCXW142786445 BCX8\">your account <\/span><span class=\"NormalTextRun SCXW142786445 BCX8\">is <\/span><span class=\"NormalTextRun SCXW142786445 BCX8\">reviewed<\/span> <span class=\"NormalTextRun SCXW142786445 BCX8\">once a year to make sure you have enough <\/span><span class=\"NormalTextRun SCXW142786445 BCX8\">in your escrow account<\/span><span class=\"NormalTextRun SCXW142786445 BCX8\"> to pay these bills.<\/span><\/span><span class=\"EOP SCXW142786445 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-648a9eb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"648a9eb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ff73913\" data-id=\"ff73913\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0318893 elementor-widget elementor-widget-heading\" data-id=\"0318893\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do I read my escrow statement? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-728daa4 elementor-widget elementor-widget-text-editor\" data-id=\"728daa4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW265335570 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW265335570 BCX8\">Now <\/span><span class=\"NormalTextRun SCXW265335570 BCX8\">let\u2019s<\/span><span class=\"NormalTextRun SCXW265335570 BCX8\"> break down<\/span><span class=\"NormalTextRun SCXW265335570 BCX8\">\u00a0<\/span><span class=\"NormalTextRun SCXW265335570 BCX8\">the<\/span><span class=\"NormalTextRun SCXW265335570 BCX8\"> key<\/span> <span class=\"NormalTextRun SCXW265335570 BCX8\">components of an escrow statement<\/span><span class=\"NormalTextRun SCXW265335570 BCX8\">.<\/span> <span class=\"NormalTextRun SCXW265335570 BCX8\">If you have received <\/span><span class=\"NormalTextRun SCXW265335570 BCX8\">a<\/span><span class=\"NormalTextRun SCXW265335570 BCX8\"> statement, take it out so you can follow along.<\/span><\/span><span class=\"EOP SCXW265335570 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><ul><li><p><b><span data-contrast=\"none\">Payment Information: <\/span><\/b><span data-contrast=\"none\">Here you can find what your current mortgage payment total is and how it is spread across your principal, interest, and escrow. You\u2019ll also see what your new payment will be when changes become effective, which will be at least 30 days after you receive your statement. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><\/li><li><p><b><span data-contrast=\"none\">Escrow Explanation: <\/span><\/b><span data-contrast=\"none\">This shows you what your taxes and insurance were anticipated to be and what they actually were for the year.<\/span><\/p><\/li><li><p><b><span data-contrast=\"none\">Shortage and Surplus Amounts: <\/span><\/b><span data-contrast=\"none\">Your statement will show if you have a shortage or surplus. A shortage means you didn&#8217;t have enough money in your escrow account to cover your taxes and insurance for the year. A surplus, on the other hand, means you paid more into your account than was needed to cover your taxes and insurance.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f9e8c9b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f9e8c9b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4a46dbc\" data-id=\"4a46dbc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fd0c9d elementor-widget elementor-widget-heading\" data-id=\"5fd0c9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why is my mortgage payment changing?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de683e3 elementor-widget elementor-widget-text-editor\" data-id=\"de683e3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW197018349 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW197018349 BCX8\">With a fixed-rate mortgage loan, the interest rate will not change over the life of the loan, <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">so <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">the amount you pay each month toward your <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">p<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">rincipal and <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">i<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">nterest will <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">stay the same<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">.<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\"> Your property taxes and homeowner\u2019s insurance will <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">likely increase<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\"> over time leading to an increase in your mortgage payment.<\/span><\/span><span class=\"TextRun SCXW197018349 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"> <span class=\"NormalTextRun SCXW197018349 BCX8\">If and when this happens, your monthly payment <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">will increase <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">to make up for the <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">shortage.<\/span> <\/span><span class=\"TextRun SCXW197018349 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW197018349 BCX8\">On<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">e<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\"> of the main reasons to carefully review your escrow statement is to be aware of these changes and adjust your monthly payment <\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">accordin<\/span><span class=\"NormalTextRun SCXW197018349 BCX8\">gly.<\/span><\/span><\/p><p><strong>If you notice a large increase in costs, we recommend that you shop your homeowner&#8217;s insurance with a minimum of 3 different providers to find the best rate. <\/strong>Your property taxes, unlike your homeowner\u2019s insurance, are calculated and set by the county accessor.\u00a0\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4b8bd2a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4b8bd2a\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f7cd2ef\" data-id=\"f7cd2ef\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c5ab4ef elementor-widget elementor-widget-heading\" data-id=\"c5ab4ef\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Why Don\u2019t I Have a Surplus if There is More Money in my Account than I Needed? <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dce228 elementor-widget elementor-widget-text-editor\" data-id=\"9dce228\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW162505209 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW162505209 BCX8\">It<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\"> is standard for <\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">yo<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">ur lender to keep<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\"> a cushion of 2 months of your taxes and insurance in your <\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">account<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">. This<\/span> <span class=\"NormalTextRun SCXW162505209 BCX8\">ensure<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">s <\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">that you will always have enough <\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">mon<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">ey<\/span> <span class=\"NormalTextRun SCXW162505209 BCX8\">th<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">e<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">re<\/span> <span class=\"NormalTextRun SCXW162505209 BCX8\">to protect your home and investment.<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\"> If you do have <\/span><span class=\"NormalTextRun SCXW162505209 BCX8\">a<\/span><span class=\"NormalTextRun SCXW162505209 BCX8\"> surplus of\u00a0more than $50.00, your lender will issue a refund.<\/span><\/span><span class=\"EOP SCXW162505209 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07d711d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07d711d\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19198e3\" data-id=\"19198e3\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-15a8f61 elementor-widget elementor-widget-heading\" data-id=\"15a8f61\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What do I Need to do if I Have a Shortage?  <\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69ffe76 elementor-widget elementor-widget-text-editor\" data-id=\"69ffe76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"TextRun SCXW133113349 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW133113349 BCX8\">If you have a loan with <\/span><span class=\"NormalTextRun SCXW133113349 BCX8\">Homewise<\/span> <span class=\"NormalTextRun SCXW133113349 BCX8\">we offer you two options for paying your shortage<\/span><\/span><span class=\"TextRun SCXW133113349 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW133113349 BCX8\">\u2014you can either pay it as a lump sum or <\/span><span class=\"NormalTextRun SCXW133113349 BCX8\">break it up into payments over the upcoming year.<\/span><span class=\"NormalTextRun SCXW133113349 BCX8\"> While these options are standard for most lenders, you should be sure to <\/span><span class=\"NormalTextRun SCXW133113349 BCX8\">contact<\/span> <span class=\"NormalTextRun SCXW133113349 BCX8\">your lender to explore your payment options.<\/span><\/span><span class=\"EOP SCXW133113349 BCX8\" data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"none\">Want to pay it as a lump sum? You can: <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><ol><li><b><span data-contrast=\"none\">Send us a separate check:<\/span><\/b><span data-contrast=\"none\"> You can send us a check for your shortage amount by mail, drop it off at our Albuquerque or Santa Fe office, or place it in the secure dop box outside of one of our offices.\u00a0 Please make sure to include <\/span><i><span data-contrast=\"none\">Escrow Only<\/span><\/i><span data-contrast=\"none\"> on the memo line, so we know that it is for your escrow shortage.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li><li data-leveltext=\"%1.\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;,&quot;469778510&quot;:&quot;default&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Add the shortage amount to a regular mortgage check:\u00a0<\/span><\/b><span data-contrast=\"none\">If you typically make your payments by check,<\/span> <span data-contrast=\"none\">you can add the shortage amount to your normal payment. Please be sure to add a note on the memo line with the amount that is going towards your escrow shortage. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li><li data-leveltext=\"%1.\" data-font=\"\" data-listid=\"3\" data-list-defn-props=\"{&quot;335552541&quot;:0,&quot;335559684&quot;:-1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[65533,0,46],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;%1.&quot;,&quot;469777815&quot;:&quot;multilevel&quot;,&quot;469778510&quot;:&quot;default&quot;}\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Make an online payment:<\/span><\/b><span data-contrast=\"none\"> You can add it to your normal payment online under the <\/span><i><span data-contrast=\"none\">Additional Escrow<\/span><\/i><span data-contrast=\"none\"> section. If you choose this option, please contact us to let us know so we can review your account and adjust your payment.\u00a0<\/span> <span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/li><\/ol><p><span data-contrast=\"none\">Want to spread out your shortage? We will divide the escrow shortage by 12 months and add the cost to your monthly mortgage payment.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p><p><span data-contrast=\"none\">Please note, if you use a third-party service to make your mortgage payments, like your bank\u2019s automatic bill pay system, you&#8217;ll need to update it to reflect your new mortgage payment. <\/span><span data-ccp-props=\"{&quot;134233117&quot;:false,&quot;134233118&quot;:false,&quot;201341983&quot;:0,&quot;335559685&quot;:-20,&quot;335559737&quot;:-20,&quot;335559738&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:259}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d79a176 elementor-widget elementor-widget-text-editor\" data-id=\"d79a176\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span class=\"TextRun SCXW194344648 BCX8\" lang=\"EN-US\" xml:lang=\"EN-US\" data-contrast=\"none\"><span class=\"NormalTextRun SCXW194344648 BCX8\">More questions<\/span><span class=\"NormalTextRun SCXW194344648 BCX8\">? Check out the videos<\/span><span class=\"NormalTextRun SCXW194344648 BCX8\">\u00a0below for additional info.\u00a0<\/span><\/span><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-706d5c6b elementor-section-content-middle text-image-or-video elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"706d5c6b\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;,&quot;shape_divider_top&quot;:&quot;triangle-asymmetrical&quot;,&quot;shape_divider_top_negative&quot;:&quot;yes&quot;,&quot;shape_divider_bottom&quot;:&quot;triangle-asymmetrical&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"true\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M737.9,94.7L0,0v100h1000V0L737.9,94.7z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M738,99l262-93V0H0v5.6L738,99z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7b3aec73\" data-id=\"7b3aec73\" data-element_type=\"column\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateY_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:2,&quot;sizes&quot;:[]},&quot;motion_fx_translateY_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:53}},&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-029e626 elementor-widget elementor-widget-heading\" data-id=\"029e626\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">English<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-588f40c4 elementor-widget elementor-widget-video\" data-id=\"588f40c4\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=_8m_jychmbg&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;Standing outside a home that HomeWise help purchase.&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lazy_load&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d524091 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"d524091\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4093541 elementor-widget elementor-widget-heading\" data-id=\"4093541\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Spanish<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3d354fb elementor-widget elementor-widget-video\" data-id=\"3d354fb\" data-element_type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtu.be\\\/lnUppzr7L2I&quot;,&quot;show_image_overlay&quot;:&quot;yes&quot;,&quot;image_overlay&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;,&quot;alt&quot;:&quot;Standing outside a home that HomeWise help purchase.&quot;,&quot;source&quot;:&quot;library&quot;},&quot;lazy_load&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-545d04af\" data-id=\"545d04af\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3fe3c724 elementor-widget elementor-widget-heading\" data-id=\"3fe3c724\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Learn about your escrow<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a01966 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"9a01966\" data-element_type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_effect&quot;:&quot;yes&quot;,&quot;motion_fx_translateX_speed&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;motion_fx_translateX_affectedRange&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:50}},&quot;motion_fx_blur_effect&quot;:&quot;yes&quot;,&quot;motion_fx_blur_level&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:13,&quot;sizes&quot;:[]},&quot;motion_fx_blur_range&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:{&quot;start&quot;:0,&quot;end&quot;:36}},&quot;motion_fx_blur_direction&quot;:&quot;out-in&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;]}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65f50d76 elementor-widget elementor-widget-text-editor\" data-id=\"65f50d76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>How to read your escrow statement and more with Nataly, Loan Servicing Advisor for Homewise<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-311be2bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"311be2bb\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2dff1649\" data-id=\"2dff1649\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1e5f4a37 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"1e5f4a37\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53be518c elementor-widget elementor-widget-heading\" data-id=\"53be518c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">About the Author:<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11d04eb2 elementor-hidden-desktop elementor-hidden-tablet elementor-author-box--avatar-yes elementor-author-box--link-no elementor-widget elementor-widget-author-box\" data-id=\"11d04eb2\" data-element_type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/34.106.141.153\/wp-content\/uploads\/2021\/06\/homewise-logo-favicon-2021-300x300.png\" alt=\"Picture of Homewise\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-301b771c elementor-author-box--image-valign-middle elementor-author-box--layout-image-left elementor-author-box--avatar-yes elementor-author-box--name-yes elementor-author-box--biography-yes elementor-widget elementor-widget-author-box\" data-id=\"301b771c\" data-element_type=\"widget\" data-widget_type=\"author-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-author-box\">\n\t\t\t\t\t\t\t<div  class=\"elementor-author-box__avatar\">\n\t\t\t\t\t<img decoding=\"async\" src=\"http:\/\/34.106.141.153\/wp-content\/uploads\/2021\/06\/homewise-logo-favicon-2021-300x300.png\" alt=\"Picture of Homewise\" loading=\"lazy\">\n\t\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"elementor-author-box__text\">\n\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t<h4 class=\"elementor-author-box__name\">\n\t\t\t\t\t\t\tHomewise\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-author-box__bio\">\n\t\t\t\t\t\tHomewise helps create successful homeowners and strengthen neighborhoods in New Mexico. We do this through our comprehensive real estate and lending services designed to support working families and individuals. We are a nonprofit lender, also known as a Community Development Finance Institution (CDFI).\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-589aaf2 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"589aaf2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-53cdc782\" data-id=\"53cdc782\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d1548a2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d1548a2\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7cec29e6\" data-id=\"7cec29e6\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ae66e5 elementor-widget elementor-widget-spacer\" data-id=\"5ae66e5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-365e4fe2 elementor-widget elementor-widget-heading\" data-id=\"365e4fe2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Have Questions?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8eebf07 elementor-widget elementor-widget-text-editor\" data-id=\"8eebf07\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are here for you.<\/p><p>Ask for our Loan Servicing Department<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4f7d5e9 elementor-align-center elementor-mobile-align-center elementor-tablet-align-center elementor-widget elementor-widget-button\" data-id=\"4f7d5e9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-md\" href=\"tel:505.983.9473\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-phone\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">505.983.9473<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7dc9ec78 elementor-widget elementor-widget-spacer\" data-id=\"7dc9ec78\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What you need to know about escrow Have you owned your home for at least a year? If so, you should expect to receive an annual escrow statement. This statement contains a lot of important information about changes to your mortgage account. We know it can be a bit overwhelming at first, which is why [&hellip;]<\/p>\n","protected":false},"author":14,"featured_media":11152,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,23],"tags":[],"class_list":["post-10806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-homeowner-tips"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What you need to know about escrow<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/homewise.org\/es\/what-you-need-to-know-about-escrow\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What you need to know about escrow\" \/>\n<meta property=\"og:description\" content=\"What you need to know about escrow Have you owned your home for at least a year? If so, you should expect to receive an annual escrow statement. This statement contains a lot of important information about changes to your mortgage account. We know it can be a bit overwhelming at first, which is why [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/homewise.org\/es\/what-you-need-to-know-about-escrow\" \/>\n<meta property=\"og:site_name\" content=\"Homewise\u00ae\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HomewiseNM\" \/>\n<meta property=\"article:published_time\" content=\"2021-01-21T19:00:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-12-13T21:15:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/homewise.org\/wp-content\/uploads\/2021\/01\/escrow.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"408\" \/>\n\t<meta property=\"og:image:height\" content=\"338\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Homewise\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@homewisenm\" \/>\n<meta name=\"twitter:site\" 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