Defining and developing the brand capability. The discovery of a brand capability is not a linear process, but an exploration of three basic questions that can help an organization clarify its core brand components.
Escrow Refund Period. Mortgage lenders can take up to 30 days to refund escrow account balances to borrowers whose mortgage loans have been paid off. For several reasons, mortgage lenders tend to take their time refunding their borrowers' escrow accounts.
Lenders should and some will waive escrow requirements if the borrower makes a down payment of 20% or more. The logic of this waiver is that if the borrower has that much equity in the house, it is safe for the lender to rely upon the borrower's self-interest to pay the taxes and insurance premiums.enders generally require borrowers to include taxes and insurance premiums in their monthly mortgage payments, and placed in escrow until the payment date when the amount due is paid by the lender.