mortgage company

Can a mortgage company to add an escrow account to my mortgage without my consent?

My mortgage company adds an escrow account without my consent. I never accepted and never signed anything. I've had this mortgage for more than 3 years and suddenly realized it was payment of taxes on my property and I say there is a shortage in my escrow and increased my monthly payments by over $ 100 when I disagreed on this and I'm behind on my property taxes or home owners ins. Is this legal?

Were you behind on your taxes or insurance? It is a requirement on your mortgage that you pay your property taxes and homeowners insurance home on time. If not, they can pay on your behalf and then add that to the amount of payment (in the form of an escrow account).

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The Complete Dictionary of Mortgage & Lending Terms Explained Simply (Paperback) $16.92 Description not available.