Not trying to be a prolific poster, but I just have to share this; we were in receipt of a letter from our mortgage company yesterday. It said to call them, which I did just moments ago. They said that since our escrow was so high, we had several thousand in it, and my last payment was far less than that, they tapped the escrow for the last payment and our mortgage is done!
We will be getting a letter from them confirming this as well as the county, the county will also be notified that the mortgage company will no longer be handling the taxes and to send the tax bill to us directly. Also when we get the paperwork from the county, we will be contacting our insurance company and informing them of the same actions so they can bill us directly.
The remaining escrow will come to us in a check that we will deposit in a new account to cover these future bills.
So it’s done, Finally!