[Holly]

I would appreciate input from any Texas people with experience with this.

We have been in our current home for 3 years and we escrow our taxes. I just received an extremely large refund from our mortgage company, close to the amount my annual property taxes should be. I reviewed the escrow statement and it shows a projected amount for county taxes, but under “actual” it just shows the an amount for the check they sent me.  I checked the tax assessors website and sure enough it says I have unpaid taxes and $800 in delinquent interest and fees.

Obviously I have some calls to make tomorrow but I’m panicking a bit. Do I have any recourse against the mortgage company for these fees? It also shows they underpaid the previous year by $20. I guess I should have been checking up on this, but we’ve had taxes escrowed since 2014 and I’ve never had this issue.

[Tim]

One possibility is that the mortgage company didn’t have the proper address for the taxing authority. When the check was returned to them, they sent it to you.

[Christi]

Is your mortgage company Mr Cooper by any chance? They totally jacked up my property taxes is why I ask. Took a BBB complaint and over 4 months of fighting to fix it.

[Tim]

Our county has up to the last business day tax payment information. We could pay online, if there was a mistake and penalty free upto 30 days or we can do installments as well. Check it out in your county website as well.

[Author]

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