Looking for Mortgage Lender Recommendations

[Warpy]

1. My mortgage payments varied year to year

and the bank that bought my mortgage (yes, they're usually sold) is one of the better local ones. They do go up according to the property insurance and rising property tax. One year they overshot it a bit and my payments went down. It was well timed, it was one of my poorest years when I was living on savings.

I don't know of any lender who asks for lump sums instead of monthly increases to keep the escrow fully funded to pay insurance and tax.