Mortgage Escrow Account Tracker: Excel Escrow Shortage Estimator, Property Tax & Insurance Bill Log + Annual Escrow Statement Review

Your mortgage can have a fixed interest rate and your payment can still go up, because property taxes and homeowners insurance change every year. This tracker helps you see an escrow increase coming before the annual statement arrives. The Excel estimator compares this year's tax and insurance bills to last year, estimates the monthly deposit needed, and shows a rough shortfall and the usual cushion limit. The printable pages explain escrow terms and walk you through reviewing your annual escrow statement.

What's inside:

- How escrow works, in plain English

- Annual escrow statement review checklist

- Property tax and insurance bill log

- Excel escrow estimator and bill comparison

Good to know:

- Educational only. Your servicer's escrow analysis is the official number.

Aaron Clark, Licensed Mortgage Loan Officer, NMLS #1770738 · www.nmlsconsumeraccess.org · Equal Housing Opportunity

Educational only, not a loan offer or rate quote; example numbers are illustrations.