This is to make others aware of the: NJ HOME OWNERSHIP SECURITY ACT OF 2002 C.46:10B-22 "HOME OWNERS INSURANCE AND PROPERTY TAXES ARE YOUR RESPONSIBILITY. NOT ALL CREDITORS PROVIDE ESCROW SERVICES FOR THESE PAYMENTS. YOU SHOULD ASK YOU CREDITOR ABOUT THESE SERVICES" (THE BIG BANKS) CHASE is taking the liberty to create / add ESCROWS to mortgage payments without an agreement. They make decisions on their own without consulting owners. Some of us prefer to keep our money in our pocket and pay property taxes when due. CHASE... read full review »