Midwest Loan Services will complete a new escrow analysis every 12 months to review payments collected and paid out of your escrow account. If a shortage is recognized, we will notify you by mailing you an annual escrow analysis statement. You will then have the option to pay the shortage in full or allow your shortage to be added to your monthly payment amount. This is generally spread over a 12-month period. If you become aware of an increase in your taxes or insurance and prefer to increase your monthly escrow payment amount to prevent a future shortage, please contact our Customer Service Department and we can assist you with setting this up. Escrow shortage payments can be made via USPS or by calling our Customer Service Department. When mailing in funds for your escrow please be sure to include a shortage remittance coupon, if applicable, or include a note on your check indicating what the payment is for.