Thursday, September 3, 2009

My Mortgage Will Be Increasing

Ugh, I opened the mail the other day and had a notice from my bank. Due to the increase in my property taxes, my mortgage payment is increasing. Not by a little, but by $144 a month.  Sigh, it's always something.  My town had a property re-evaluation, my house increased in value and thus my property taxes have gone up.  When I got the notice in the mail from the assessors office, I ran some comp statistics from the MLS and came up with a fairly similar figure. I will say that even though my house is small, it is retaining value.  Being on a lake does help and at least I'm not underwater on the mortgage (the Escape is a different story......).

My escrow balance took a hit for the 2nd yearly payment and my mortgage payment will be increased to build back up the escrow balance and to create a cushion for the 2010 property taxes.  Time for a little budget re-evalution!

57 comments:

marci said...

So this is good and bad news. Good that your house is retaining value and bad because it'll cost more in taxes. Shoot. Good plan to leave a cushion for next year.

Dawn said...

Ugh! That is a lot. At least you know that it is based on something realistic - not that that makes it much easier. Let us know how your budget turns out!

Divorced Lifestyle said...

I'm so sorry. I just reworked my budget to find $400 a month for a car payment. It ain't easy!

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