Just found it here that I'm not alone in complaining this BAC Homes Loans...If this is the case, where we can take our voice and complaints...On our part, this BAC Homes loans increased our escrow by almost $500.oo every month, they said it's bcause prop tax got increased, we have escrow shortage, plus unexpected taxes and insurance, a big WOW...we verified our taxes from the municipal hall, and found out that our prop tax is only this much...but this BAC seems overcharging us. Hope someone could investigate on this company. They dont even have website of their own, and our money goes to them.