mortgage escrow services

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Meeting the Requirements

As far as your lender is concerned, here are the typical requirements you usually must meet to eliminate your escrow account:

  • Your mortgage is at least one year old, and you have made on-time payments consistently for the entire year
  • LTV (loan-to-value ratio) has to be under 75%
  • Loan has to be a conventional loan (VA and FHA loans typically cannot shed their escrow accounts; it is part of the condition of a government-backed loan)
  • No taxes or insurance payments can be due in the next 30 days

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Comments to How to Break Free from Your mortgage equity rate formula

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  2. Great idea – why give the mortgage company an interest-free loan?

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  10. Excellent post!

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  13. what about new jersey jurisdiction for escrow account , I realy need to eliminate this account, specially with this high real estate taxes in new jersey which consider as double your mortgage payments

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