your loan probably has escrow/impound acct. the extra months tax & ins are lender's cushion. you still make reg mtg payment together w/ escrow amt. that's why some don't want escrow.
try the simple and the original way: open the window or use fan to let fresh air into your house. p.s. held cute penny outside to have a walk, and share 土豆丝的味道 with others.
【在 Q****A 的大作中提到】 : try the simple and the original way: : open the window or use fan to let fresh air into your house. : p.s. held cute penny outside to have a walk, and share 土豆丝的味道 with : others.