it's not not weird
Apr. 18th, 2026 07:56 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
marcicatSometimes I get an email with a subject line like "your new escrow analysis is ready" and it reminds me abruptly that I am considered an adult, like an actual grown-up, with a mortgage, and a passing understanding of what an escrow analysis is.
(it's sort of like when you realize that the year 2000 was TWENTY-SIX YEARS ago, which is the same number of years from 2000 as the year *1976* in the opposite direction)
(ETA:1976 LOL 1974. EMBARRASSING MATH ERROR SPOTTED)
(ETA: Escrow sounds way more grown-up than it is, since it actually means you don't need to remember to pay your own property taxes. Here's my Very Limited understanding: when you get a mortgage, the company that lends you money wants to make sure you pay it back, which means you need to not lose the house because you didn't pay taxes. So when the mortgage company collects the mortgage payment from you each month, it ALSO collects extra money which it keeps in 'escrow.' Then it uses that money to pay your property taxes. Since property taxes change a lot, the mortgage company does an analysis every year to find out if they are collecting enough money, and then it tells you what they find out.)
(it's sort of like when you realize that the year 2000 was TWENTY-SIX YEARS ago, which is the same number of years from 2000 as the year *1976* in the opposite direction)
(ETA:
(ETA: Escrow sounds way more grown-up than it is, since it actually means you don't need to remember to pay your own property taxes. Here's my Very Limited understanding: when you get a mortgage, the company that lends you money wants to make sure you pay it back, which means you need to not lose the house because you didn't pay taxes. So when the mortgage company collects the mortgage payment from you each month, it ALSO collects extra money which it keeps in 'escrow.' Then it uses that money to pay your property taxes. Since property taxes change a lot, the mortgage company does an analysis every year to find out if they are collecting enough money, and then it tells you what they find out.)
