[gakline]

I also pay directly. I was charged a small fee to get rid of my escrow account. But it's worth it. Like Diva said, you're earning the interest on that. Also with taxes, it's easier to fight them because you know exactly how much the bill is without pulling out your statements. I think it also makes you more aware of how much you pay. Also, with the insurance, you can shop around for the best rates, I think most people get to lazy to shop on their own and continue to pay outrageous amount for insurance. Again, it makes you think twice when the bill comes due, if you can get it cheaper.