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Do taxes and insurance appear as part of your monthly obligation on CR’s if you DON’T escrow them?

CashOutReFi
New Member

Do taxes and insurance appear as part of your monthly obligation on CR’s if you DON’T escrow them?

I've had two mortgages, and on both, I chose to escrow my taxes and homeowners. The full PITI payment amount appears as my monthly obligation on the big three CR's. 

My question is this - suppose I didn't - would the monthly payment on EX/TU/EQ consist of only principal and interest? 

2 REPLIES 2
pizzadude
Moderator Emeritus

Re: Do taxes and insurance appear as part of your monthly obligation on CR’s if you DON’T escrow the

Taxes and homeowner's insurance paid directly won't show on your reports, as they're not included in your monthly mortgage payment to your creditor.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 3
CashOutReFi
New Member

Re: Do taxes and insurance appear as part of your monthly obligation on CR’s if you DON’T escrow the

This clarifies it for me. Many thanks! 


@pizzadude wrote:

Taxes and homeowner's insurance paid directly won't show on your reports, as they're not included in your monthly mortgage payment to your creditor.


 

Message 3 of 3
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