I'm back a $303.00 increase in my mortgage payment

[Joel Fraser]

Hi ya all:Cat please feel free to join this with my succesful thread if need be. Well, just when I thought I could afford my mortgage payment....once again I cannot through no fault of mine.I received my escrow anaylsis today and it appears that my homeowners premium of $4793.75 (verified through the town) is actually $4,911.56 in the eyes of my mortgage company?They also believe my homeowners insurance annual preium of $990.00 is actually $1224.00?Currently, I escrow $441.00 a month. SO with these exaggerated figures and the fact that my escrow should be $482.00 and they have never done an analysis in the two years I have been with them. I am in the hole with them for $2913.54.My new mortgage payment effect 5/1 was 2610.21 down from 3041.94My new mortgage payment effect 7/1 is now 2913.54.As if this is not sickening enough I found out while on hold with Litton that they sold my loan effective 6/1 to MGC Mortgage (ever heard of them?). Try n call them "all operators are busy" please leave a message and we will call you back.OK, fax off tax bill to Litton and MGC showing taxes are really only $4793.75 fax off Homeowners policy showing premium of $990.00 opposed to $1224.00, when I add these two together I show my escrow should be $482.00 per month does anyone agree.What am I to do I fought for this mod cauze I could not afford my mortgage payment. Now it appears I may have opened a pandoras box.....