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so today were going to do a little bit of homeowner 101 so youve already bought the house you own the house now congratulations and now you just got a bill in the mail and it says escrow shortage and youre like what is an escrow shortage okay lets talk about it so if you have an impound account or escrow account as we like to call it what that is is its when taxes and insurance are part of your monthly payments okay if you have one of those accounts its not uncommon for you sometimes to get a check back that says oh you have too much money in your escrow account and then you may get something like a bill that says Oh your escrow accounts too low we need to do it like you know apply it to your payment or you need to pay us the difference right now like all these different options right and youre like but Ive been paying my bill every month like whats the deal what gives okay so heres the deal so two big themes come into play the first thing is is that when you first buy a hou