Also I dont know how property and school taxes along with homeowners insurance are done up there, but back when I owned a home, I was required to pay the insurance and taxes for the first year up front. As I made my mortgage payments, a certain amount was taken out and automatically put into an escrow account so that when the insurance and taxes came due, they were automatically paid by the mortgage company. Of course when taxes were raised, it naturally raised my mortgage payments. But it was nice to know I didn't have to worry about paying those things. I even got a discount when the mortgage company paid my taxes early.
Disclaimer: I am only responsible for what I say, not what you choose to understand.
