Escrow accounts are nothing but a piggy bank holding your money until your property taxes and insurance premiums are due (of course, there’s no actual “piggy bank”–the mortgage company uses that money for their own purposes and then just pays the bill when it comes…yup, you’re letting them borrow your money interest free)

Keep an eye on the mail for an announcement of who you should be making your mortgage payments to. It’ll say something along the lines of “notice of servicing change.”

Be careful, if you go over 30 days late due to lack of communication, your credit score won’t care and you’ll knock points off. So make sure you’re on top of it and getting the payment to the right place.

tough to guess

might depend on state law in your state … you’ll have to google that for yourself.

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it is almost certain sure that the refi was recorded the same day or the next day … you can check on this at the usual place, possibly online [land records ... just put your real name in].

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one thing’s for sure … your regular monthly payment is still due at the address you were told. someone will be taking care of that and they’ll follow up if the money doesn’t show up.

GL