I gave over $30,000.00 down on my home and I expected to have my payments not go higher and higher all the time. I have been told I need to send an extra 700plus dollars due lack of excrow in the account. I don't understand where that money went. If I had known the mortgage would go higher than I could afford I wouldn't have purchased the home. I gave a lot down so I could afford the payments. Next year I am going to have a difficult time paying my mortgage payments due to the increases you keep adding onto it. Is the down payment just an investment I will only realize when I sell the house. I don't want to move ever again and I don't want to lose the house due to y'all increasing the payment every year.

-- Caryl Hudson (seedafrog@ev1.net), November 19, 2002