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whats going on my friends its Bob Im back again with another video it was about 10 years ago I did this letter in the mail and I opened it up and its my mortgage company and it wasnt a holiday card wishing me well oh no it was a thing that says hey we miscalculated your property tax as a result we need you to pay 300 more per month on your mortgage payment whoa what that was like a heart attack waiting in Disguise and I thought well wait a minute why is this happening and then the year after that it was like fifty dollars more per month oh and then the year after that all of a sudden I get a refund check of a hundred dollars whats going on here the title of this video is why you should never Escrow in your mortgage account and I want to explain exactly why Ill give you some pros but Im also going to give you the cons behind why escrowing its just kind of a waste of time and how you can get out of it as soon as next month here we go we just recently refinanced and after totally