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Law Office of Roland D. Waller - Probate and Real Estate Attorney - New Port Richey, Florida

Law Office of Roland D. Waller - Probate and Real Estate Attorney - New Port Richey, Florida

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Law Office of Roland D. Waller
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Thursday, 12 October 2017 / Published in Real Estate, Videos

Once I Receive A Homestead Exemption How Do I Get My Mortgage Payments to Lower?

Video Summary

Once I receive a homestead exemption, how do I get my mortgage payments to lower? You cannot get your payments lowered once you get your homestead exemption in place. That is a function that your mortgage company does. They review your escrow, and it’ll take them about 18 months after you get your homestead exemption. You get your first tax bill, they will then analyze your escrow to see if they’re collecting too little or too much, and then they will adjust your payments.

You cannot, just because you filed for homestead exemption, get them to lower other than if you call your lender and try and talk to them about it, you may be able to talk to them about it, but I think that you’re going to wind up being somewhat frustrated until they see the actual tax bill. Once you file for homestead exemption, the following November after you file, after the first of the next year, is when the first bill will come out and then after that they will take some time to adjust it. It is a function of your lender, who is obligated by law to review your escrow. I’m not sure just the time period, but I’d give it about 18 months after the first of the year. Big thing is, be sure you file for homestead exemption. If you have any questions about your mortgage, give me a call at 727-847-2288.

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