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Michele ''Shelly'' Ave | Mortgage Expert on Instagram: "What is an escrow account, and why do most mortgages use one?⁠ ⁠ Your escrow account is where your property taxes and homeowners insurance are held. Instead of paying those big bills once or twice a year, you pay a portion of them each month along with your mortgage. Your lender collects that money and pays the bills for you when they come due.⁠ ⁠ This keeps your monthly payment steady and makes sure nothing slips through the cracks. It als
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