{"id":199098,"date":"2025-04-20T00:41:06","date_gmt":"2025-04-20T00:41:06","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/"},"modified":"2025-04-20T00:41:06","modified_gmt":"2025-04-20T00:41:06","slug":"when-must-the-borrower-receive-the-initial-escrow-account-disclosure","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/","title":{"rendered":"When must the borrower receive the initial escrow account disclosure?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#When_must_the_borrower_receive_the_initial_escrow_account_disclosure\" title=\"When must the borrower receive the initial escrow account disclosure?\">When must the borrower receive the initial escrow account disclosure?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#FAQs\" title=\"FAQs:\">FAQs:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#1_What_is_an_escrow_account\" title=\"1. What is an escrow account?\">1. What is an escrow account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#2_Can_a_borrower_waive_an_escrow_account\" title=\"2. Can a borrower waive an escrow account?\">2. Can a borrower waive an escrow account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#3_What_information_is_included_in_the_initial_escrow_account_disclosure\" title=\"3. What information is included in the initial escrow account disclosure?\">3. What information is included in the initial escrow account disclosure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#4_Can_the_initial_escrow_account_disclosure_be_provided_electronically\" title=\"4. Can the initial escrow account disclosure be provided electronically?\">4. Can the initial escrow account disclosure be provided electronically?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#5_What_happens_if_the_initial_escrow_account_disclosure_is_not_provided_on_time\" title=\"5. What happens if the initial escrow account disclosure is not provided on time?\">5. What happens if the initial escrow account disclosure is not provided on time?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#6_Can_the_terms_of_the_escrow_account_change_after_the_initial_disclosure\" title=\"6. Can the terms of the escrow account change after the initial disclosure?\">6. Can the terms of the escrow account change after the initial disclosure?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#7_Are_there_any_fees_associated_with_setting_up_an_escrow_account\" title=\"7. Are there any fees associated with setting up an escrow account?\">7. Are there any fees associated with setting up an escrow account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#8_Can_a_borrower_change_their_mind_about_having_an_escrow_account_after_closing\" title=\"8. Can a borrower change their mind about having an escrow account after closing?\">8. Can a borrower change their mind about having an escrow account after closing?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#9_What_happens_to_the_funds_in_the_escrow_account_if_the_loan_is_paid_off_early\" title=\"9. What happens to the funds in the escrow account if the loan is paid off early?\">9. What happens to the funds in the escrow account if the loan is paid off early?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#10_Can_a_borrower_dispute_the_amount_being_held_in_the_escrow_account\" title=\"10. Can a borrower dispute the amount being held in the escrow account?\">10. Can a borrower dispute the amount being held in the escrow account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#11_How_often_are_escrow_account_statements_provided_to_the_borrower\" title=\"11. How often are escrow account statements provided to the borrower?\">11. How often are escrow account statements provided to the borrower?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#12_What_happens_if_there_is_a_shortage_in_the_escrow_account\" title=\"12. What happens if there is a shortage in the escrow account?\">12. What happens if there is a shortage in the escrow account?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"When_must_the_borrower_receive_the_initial_escrow_account_disclosure\"><\/span>When must the borrower receive the initial escrow account disclosure?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><b>The borrower must receive the initial escrow account disclosure no later than three business days after the lender receives the borrower&#8217;s completed application for a mortgage loan.<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_an_escrow_account\"><\/span>1. What is an escrow account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAn escrow account is a separate account where funds are held for the payment of property taxes and insurance premiums.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Can_a_borrower_waive_an_escrow_account\"><\/span>2. Can a borrower waive an escrow account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn some cases, a borrower may be able to waive an escrow account if they meet certain criteria set by the lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_information_is_included_in_the_initial_escrow_account_disclosure\"><\/span>3. What information is included in the initial escrow account disclosure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nThe initial escrow account disclosure includes details about the borrower&#8217;s estimated monthly escrow payments and how the funds will be used.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Can_the_initial_escrow_account_disclosure_be_provided_electronically\"><\/span>4. Can the initial escrow account disclosure be provided electronically?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the initial escrow account disclosure can be provided to the borrower electronically as long as the borrower consents to receiving it in that format.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_What_happens_if_the_initial_escrow_account_disclosure_is_not_provided_on_time\"><\/span>5. What happens if the initial escrow account disclosure is not provided on time?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the lender fails to provide the initial escrow account disclosure to the borrower within three business days of receiving the loan application, the borrower may have the right to cancel the loan.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Can_the_terms_of_the_escrow_account_change_after_the_initial_disclosure\"><\/span>6. Can the terms of the escrow account change after the initial disclosure?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the terms of the escrow account, including monthly payments, may change based on fluctuations in property taxes or insurance premiums.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Are_there_any_fees_associated_with_setting_up_an_escrow_account\"><\/span>7. Are there any fees associated with setting up an escrow account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nSome lenders may charge an escrow setup fee when establishing an escrow account, in addition to monthly escrow payments.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_a_borrower_change_their_mind_about_having_an_escrow_account_after_closing\"><\/span>8. Can a borrower change their mind about having an escrow account after closing?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAfter closing, a borrower may be able to request the removal of the escrow account, but the lender may charge a fee for servicing the loan without an escrow account.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_What_happens_to_the_funds_in_the_escrow_account_if_the_loan_is_paid_off_early\"><\/span>9. What happens to the funds in the escrow account if the loan is paid off early?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf the loan is paid off early, any remaining funds in the escrow account will be returned to the borrower.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Can_a_borrower_dispute_the_amount_being_held_in_the_escrow_account\"><\/span>10. Can a borrower dispute the amount being held in the escrow account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf a borrower believes the amount being held in the escrow account is incorrect, they have the right to dispute it with the lender.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_often_are_escrow_account_statements_provided_to_the_borrower\"><\/span>11. How often are escrow account statements provided to the borrower?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nLenders are required to provide annual escrow account statements to the borrower, detailing the activity in the account over the past year.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_What_happens_if_there_is_a_shortage_in_the_escrow_account\"><\/span>12. What happens if there is a shortage in the escrow account?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIf there is a shortage in the escrow account due to an increase in property taxes or insurance premiums, the lender may require the borrower to make up the deficiency either through a lump sum payment or increased monthly payments.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When must the borrower receive the initial escrow account disclosure? The borrower must receive the initial escrow account disclosure no later than three business days after the lender receives the borrower&#8217;s completed application for a mortgage loan. FAQs: 1. What is an escrow account? An escrow account is a separate account where funds are held &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"When must the borrower receive the initial escrow account disclosure?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/when-must-the-borrower-receive-the-initial-escrow-account-disclosure\/#more-199098\">Read more<span class=\"screen-reader-text\">When must the borrower receive the initial escrow account disclosure?<\/span><\/a><\/p>\n","protected":false},"author":50,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-199098","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>When must the borrower receive the initial escrow account disclosure?<\/title>\n<meta name=\"description\" content=\"When must the borrower receive the initial escrow account disclosure? 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