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Don't let the bank roll your insurance and taxes into your monthly payment. Pay it yourself.
I did that, and the bank stopped paying the tax man. Soooo... I discovered that I was still on the hook for property taxes even though I'd paid them as part of my monthly mortgage. Telling the tax collector that you paid the bank and that he can expect a check from the bank is about as effective as telling him your mommy promised that she'd take care of it.
Sure, the bank was legally obligated to pay up. And after hours and hours of tele-bullshit they finally did pay. But who needs the the aggravation?
BTW - Wells Fargo Bank can KISS MY ASS, YOU GOAT-RAPING SHIT-EATERS! I'D RATHER STICK RABID WEAZELS IN MY PANTS THAN DO BUSINESS WITH YOU AGAIN! ...whoa. sorry. Somtimes that just pops out.
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Ass, gas or grass. Nobody rides for free.
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