I/we refinanced last year with Homebridge. I have not missed a payment or been late with a payment. A letter dated March 17, 2021 I received about hazard insurance. Another letter dated April 16, 2021 was sent to me saying I/we owe $121.00 (which has gone up since). I pay my mortgage, money goes into escrow for my insurance and taxes for Homebridge to pay out. I was told it had to do with insurance rates going up. I shouldn’t have to pay out extra money because the insurance rates went up. To me that should be a projected out look Homebridge should have when calculating and paying my insurance. My husband is a 20 years veteran and we live on a fixed income. Finally owning a home was our dream. We refinanced with Homebridge to get a better APR. I feel we are being taken advantage of. When I/we can afford to I usually pay extra on my mortgage payments. This happened back in March 2021 in which you say we was not covered for 15 days. We now have a new insurance and Homebridge have paid them in full for the year. My question is why (if we was not covered those 15 days in March) should we be responsible for Homebridge shortage in paying our previous insurance bill? Homebridge say the money is not in escrow to cover that. I/we didn’t write the contract. We just signed what was put before us and explained to us. I can’t find where it said we are responsible for shortages. I/we are disputing the $121.00 charge.