"makes you wonder if it's worth the peace of mind trade-off."
Yeah, I get that. I've switched back to handling payments myself after escrow—honestly, wasn't too bad. Just set calendar reminders and double-check statements. Anyone else find escrow more hassle than it's worth sometimes?
I'm still figuring this out myself, but escrow seemed like a no-brainer at first—less to worry about, right? But now I'm wondering if it's really worth the extra fees or potential mix-ups. Did you ever run into issues with payments getting delayed or misapplied when you handled it yourself? Just curious if that's common or more of a rare headache...
I've seen it go both ways, honestly. Escrow can definitely simplify things, especially if you're juggling multiple payments or worried about missing deadlines. But yeah, those fees can add up, and sometimes the convenience isn't worth the extra cost—especially if you're pretty organized yourself.
Personally, I've handled payments directly a few times, and while I haven't had major disasters, there were definitely some minor headaches. Like once, my payment got misapplied because the lender mixed up account numbers (seriously, how hard is it to copy-paste?). Took a couple phone calls to straighten out—not the end of the world, but annoying enough to make me reconsider escrow again.
I'd say delays or mix-ups aren't super common, but they're not exactly rare either. If you're detail-oriented and don't mind keeping track of due dates yourself, you might save some cash skipping escrow. But if you'd rather avoid the hassle altogether, escrow might still be worth it despite the fees. Just depends on your comfort level and how much you trust yourself to stay on top of things...
