My f****ng mortgage just went up $800 more WTF? - Chicagoland Sportbikes
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post #1 of 62 (permalink) Old 04-16-2012, 09:44 PM Thread Starter
Pronto PLEASE !!!
 
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My f****ng mortgage just went up $800 more WTF?

I live in crook county and I received statement from bank with balance $800 more than usually. The escrow went up. I did call them up and they said the taxes went up ! is that fucking right???
I can't believe this shit!


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post #2 of 62 (permalink) Old 04-16-2012, 09:45 PM
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Welcome to Illinois real estate taxes!

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post #3 of 62 (permalink) Old 04-16-2012, 09:49 PM
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New property ?

Sometimes builders underestimate the taxes......then when they actually
Get paid the correction plus the makeup is a real mess.

Get your tax bill, do the math yourself.


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post #4 of 62 (permalink) Old 04-16-2012, 09:54 PM
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1. Make sure that they have u living there.
2. File an appeal
3. Crook county has been fucking with everyone

...plus my gf was with me saying "omg slow down, slow down" and I was thinking "Lose annoying squalk box in passenger seat, afford more mods and have less weight in the car and on the back of the bike"...so i dumped her and I'm single again as usual...HERE KITTY KITTY!!!
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post #5 of 62 (permalink) Old 04-16-2012, 09:56 PM
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yikes..

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post #6 of 62 (permalink) Old 04-16-2012, 10:09 PM
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post #7 of 62 (permalink) Old 04-16-2012, 10:12 PM
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I feel your pain. My house has gone down in value but my taxes keep going up. I had a $1500 dollar escrow bill show up a few months ago.

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post #8 of 62 (permalink) Old 04-16-2012, 10:15 PM
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Quote:
Originally Posted by joyride View Post
I feel your pain. My house has gone down in value but my taxes keep going up. I had a $1500 dollar escrow bill show up a few months ago.
I don't own a house, but I don't get how this can happen. You're getting screwed twice from the looks of it!!

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post #9 of 62 (permalink) Old 04-16-2012, 10:23 PM
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I don't own a house, but I don't get how this can happen. You're getting screwed twice from the looks of it!!
Part of home ownership in IL. If your not filing an appeal on your property taxes every fall, your getting screwed. its too late once the bill actually comes.




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post #10 of 62 (permalink) Old 04-16-2012, 10:24 PM
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Taxes go up and your escrow is underfunded. They adjust the amount escrowed to cover future taxes and bill you monthly for the under funded difference that you were short. Chances are they have you paying back the difference in 12 months, if your bill went up a substantial amount(sounds like it did) call your lender and they'll extend your escrow payback period. I've had this happen.

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post #11 of 62 (permalink) Old 04-16-2012, 10:27 PM
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I had this happen too due to a miscalculated escrow. the first year was nice and low due to the error but the second year went up by $750 a month. Just had to put up with it for a while until it readjusted.

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post #12 of 62 (permalink) Old 04-16-2012, 10:28 PM
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My Bldg files every year for us - Comes out of our Opp Budget - The one thing I like about this Association

Remember, if you are paying your taxes lumped into to your Mortgage, you are paying on an estimated basis - I have actualy gotten checks back (not in years but...) where I over paid but yeah, surprise, our State is broke and Cook County is home to the 3rd largest City in the USA so of course we are gonna get squeezed more than other counties - If you are a burglar, you rip of the nice houses - You don't go shack hackin (it's a term)

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post #13 of 62 (permalink) Old 04-16-2012, 10:31 PM
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This happens to me every other year out here. My home value has decreased by about 60%, and my taxes have gone from $2900 to $4200 in the same period. Awesome.

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post #14 of 62 (permalink) Old 04-16-2012, 10:43 PM
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Food for thought here guys-

Property value drops will NOT make your taxes go down. The taxing bodies are still going to get their money. If they lower the value on your property, they WILL raise your tax rate to make up the difference. They can raise the rate 10% per year without voter input.


I have also had the escrow shortage letter come. Not fun at all. I usually just cut them a check for the full amount, if possible. I have also gotten the check from out of the blue.

I think next year I will try to appeal it, just because I've never tried.
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post #15 of 62 (permalink) Old 04-16-2012, 10:47 PM
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When and how do I appeal if you live in Cook County?
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post #16 of 62 (permalink) Old 04-16-2012, 11:39 PM
You got the talkin' done
 
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did you not file for the homeowner's exemption? What does your escrow analysis say?

Even though you escrow the taxes, you get the tax bills. Compare your taxes to last year. you should also be able to do that by looking at your mortgage account online and looking at the history of the escrow.

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post #17 of 62 (permalink) Old 04-16-2012, 11:54 PM
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Why do your taxes increase when your property value decreases?
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post #18 of 62 (permalink) Old 04-17-2012, 12:01 AM
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Quote:
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Why do your taxes increase when your property value decreases?
Really? - You're a smart guy......

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post #19 of 62 (permalink) Old 04-17-2012, 12:15 AM
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Never owned any property. If taxes are based on property value, then they should decrease if the value depreciates.
Yep - And then Fact Husky sends out new 511 SMRs to all owners of both an '04 and '11 SM Platform bikes and they are delivered by Audrina Lima who gives you a blowie upon uncrating - Life sure is swell......

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post #20 of 62 (permalink) Old 04-17-2012, 12:18 AM
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Quote:
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Really? - You're a smart guy......
Never owned any property. I guess the tax increase is to compensate for the depreciation of other people's property value since the county will be collecting less from others but still has to meet its collection quota.
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post #21 of 62 (permalink) Old 04-17-2012, 12:48 AM
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Call the bank and see if you can stop escrow for tax and insurance. You dont have to escrow if you have a certain amount of equity....this will stabilize your monthly payment, just make sure you save for tax and insurance. This is what we did.

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post #22 of 62 (permalink) Old 04-17-2012, 12:59 AM
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I hate living in crook county .

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post #23 of 62 (permalink) Old 04-17-2012, 02:41 AM
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post #24 of 62 (permalink) Old 04-17-2012, 04:14 AM
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My inlaws has their taxes jump from $1150 to $1210 for the year. Crazy!!

Reason #55 to live in Florida.
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post #25 of 62 (permalink) Old 04-17-2012, 07:13 AM
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Good luck appealing your tax bill dont know about up there but down here it is draconian process 7 copies of this or that that must be notorized they just make it so difficult and confiusing nobody does it !!!!!!!!!!!!

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post #26 of 62 (permalink) Old 04-17-2012, 07:54 AM
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Quote:
Originally Posted by Dave13 View Post
My inlaws has their taxes jump from $1150 to $1210 for the year. Crazy!!

Reason #55 to live in Florida.
60 dollars?

-Jason
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post #27 of 62 (permalink) Old 04-17-2012, 08:21 AM
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Quote:
Originally Posted by Dave13 View Post
My inlaws has their taxes jump from $1150 to $1210 for the year. Crazy!!

Reason #55 to live in Florida.


For a single or double wide?

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post #28 of 62 (permalink) Old 04-17-2012, 08:28 AM
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post #29 of 62 (permalink) Old 04-17-2012, 08:34 AM
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Quote:
Originally Posted by Dave13 View Post
My inlaws has their taxes jump from $1150 to $1210 for the year. Crazy!!

Reason #55 to live in Florida.
Good to know you wont be coming back.

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post #30 of 62 (permalink) Old 04-17-2012, 08:37 AM
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Quote:
Originally Posted by Dave13 View Post
My inlaws has their taxes jump from $1150 to $1210 for the year. Crazy!!

Reason #55 to live in Florida.
AZ is the same way. People don't retire there just for the weather. I miss having a $600 mortgage.

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