Sweet!

One great bit of news arrived in the mail yesterday. It was my annual escrow statement from my mortgage company. Usually they have to tell me that there was a shortage and would I like to make it up monthly or all at once? Well, this time around there was an overage! There was a nice little refund check attached to the statement. I switched my home insurance carrier last spring which resulted in a substantial savings in annual premiums from my old carrier. As in $200 less per year. That savings, coupled with lower than expected real estate taxes gave me the refund. My monthly payment will lower by $21 next year, as well. (I have a fixed-rate but the it got adjusted for lower taxes and insurance.)