My mortgage statement after receiving it for 10 years got mailed to a previous address. then the escrow payments each month were used to pay down the loan at the end of the year. there were no escrows.

Last July they changed the address to the previous address and then began paying down my loan each month with the monthly escrow.  It is imperative you review your monthly statement each month plus look at the homeowner's insurance when it is due, did the premium go up? property taxes in the range? can you get rid of your monthly PMI?

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