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I don't use an escrow on my property taxes. Some people are not as good at budgeting so they like to have that money taken out every month instead of having to come up with it all at once (at least half of it at once).
Contact your lender if you would like to try to change it.
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I add new pictures to my photo gallery pretty regularly. You can see them here if you are interested: http://www.pbase.com/jeffryz
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