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take our lead lets help you make your mark our goal is your satisfaction let us show you the way the funds in the escrow account can only be released when certain conditions of the contract are met since the access and use of the funds is not up to either party money in escrow is not an acceptable asset or guarantee for a collateral loan make your mark take our lead if taxes in your area happen to go down or your payments are overestimated you will have too much money in your escrow account at the end of the year your lender will then pay the appropriate amount to the municipality and the remaining amount goes to you make your mark take our lead the escrow account used to buy your home as a short-term account when calculating your monthly mortgage payment your lender will calculate what extra money will be needed to maintain the mortgage then will deposit this money into your escrow account take our lead although your principal and interest payment will generally remain the same as lo