My Mortgage Company Didn’t Pay My Property Taxes: What to Do Now




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My Mortgage Company Didn’t Pay My Property Taxes

Discovering that your mortgage company has failed to pay your property taxes can be a stressful and confusing situation. It is important to address this issue promptly to avoid potential financial repercussions and protect your property ownership rights.

Understanding Mortgage Escrow Accounts

When you obtain a mortgage, your lender may require you to establish an escrow account to handle certain expenses, including property taxes. Your mortgage payment typically includes a portion that goes towards this account, and the lender will use the funds to pay your property taxes and insurance premiums on your behalf. This arrangement helps ensure that these obligations are met and protects the lender’s financial interests.

Possible Causes for Missed Property Tax Payments

There can be several reasons why your mortgage company didn’t pay your property taxes:

  • Administrative error: Mistakes can happen, and your lender may have inadvertently missed the deadline or failed to allocate the necessary funds.
  • Inadequate funds in the escrow account: If the funds in your escrow account are insufficient to cover the property taxes, it may result in missed payments. This can occur if your property tax assessment increases or if the lender miscalculates the necessary amount.
  • Change in property tax payment obligations: Sometimes, there may be a change in your property tax payment requirements, such as a new tax jurisdiction or an adjustment to the payment schedule. If this information is not updated promptly by your mortgage company, it can lead to missed payments.

Steps to Take If Your Property Taxes Aren’t Paid

If you discover that your mortgage company hasn’t paid your property taxes, here are the steps you can take:

  1. Review your documents: Carefully review your mortgage agreement and escrow account statements to ensure there are no errors or discrepancies.
  2. Contact your mortgage company: Reach out to your mortgage company to inform them of the missed payments and request clarification. It could be a simple oversight that they can rectify immediately.
  3. Pay the property taxes yourself: To avoid any penalties or legal complications, consider paying the property taxes directly to the tax authority. Keep copies of all transactions and receipts for future reference.
  4. Escrow account evaluation: Discuss with your mortgage company the reasons for the missed payments and evaluate your escrow account. Ensure that the account is adequately funded for future payments and request an explanation for the oversight.
  5. Seek professional advice if needed: If you encounter difficulties in resolving the issue with your mortgage company, consider consulting a real estate attorney or a housing counselor for guidance and assistance.

Preventing Future Issues

To avoid similar situations in the future, consider taking the following preventive measures:

  • Regularly review escrow account statements: Stay vigilant by reviewing your mortgage statements and escrow account balance to ensure all payments are being made on time.
  • Communicate changes promptly: If there are any changes to your property tax obligations, promptly notify your mortgage company to ensure accurate payment processing.
  • Monitor property tax assessments: Keep track of any changes to your property tax assessments and inform your mortgage company if there is a significant increase or decrease to avoid account discrepancies.
  • Seek professional advice: Engage the services of a real estate attorney or housing counselor to better understand your rights and obligations regarding property tax payments and mortgage escrow accounts.

Frequently Asked Questions For My Mortgage Company Didn’t Pay My Property Taxes: What To Do Now

Can My Mortgage Company Skip Paying My Property Taxes?

Yes, it is possible for your mortgage company to neglect paying your property taxes.

What Happens If My Mortgage Company Fails To Pay My Property Taxes?

If your mortgage company doesn’t pay your property taxes, you may become responsible for the outstanding amount.

Why Didn’t My Mortgage Company Pay My Property Taxes?

There could be various reasons why your mortgage company didn’t pay your property taxes, such as administrative errors or financial mismanagement.

How Do I Find Out If My Mortgage Company Paid My Property Taxes?

You can check if your mortgage company paid your property taxes by contacting your local tax authority or reviewing your tax statement.


In the event that your mortgage company fails to pay your property taxes, it is crucial to address the issue promptly to prevent further complications. Take the necessary steps to rectify the situation and consider preventive measures to avoid future problems. Remember to seek professional advice if needed to ensure that your rights are protected and your property ownership remains secure.

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