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When you own a home, your fiscal responsibility to the lender goes deeper than just your monthly principal + interest payments. You've got taxes and insurance to manage, too. And, homeowners that let lenders collect and pay their taxes and insurance bills tend to get lower rates and/or lower fees.

When you own a home, your fiscal responsibility to the lender goes deeper than just your monthly principal + interest payments. You've got taxes and insurance to manage, too. And, homeowners that let lenders collect and pay their taxes and insurance bills tend to get lower rates and/or lower fees.