Yes Insurance is part of my mortgage. It’s called escrow but even if it wasn’t escrow. It is required to have a mortgage and therefore inseparable.
Same thing with the roof as it is required to replace it every 15 years. That is non negotiable. When my roof turned 16 years old - I was unequivocally dropped and unable to find insurance. I went through 7 different brokers.
Regardless they’re all costs that I have to pay because it’s part of the property.
Why do you think I should pay for them and not charge you?
None of those are “part of your mortgage” They’re things you pay as well as a mortgage.
Yes Insurance is part of my mortgage. It’s called escrow but even if it wasn’t escrow. It is required to have a mortgage and therefore inseparable.
Same thing with the roof as it is required to replace it every 15 years. That is non negotiable. When my roof turned 16 years old - I was unequivocally dropped and unable to find insurance. I went through 7 different brokers.
Regardless they’re all costs that I have to pay because it’s part of the property.
Why do you think I should pay for them and not charge you?
So a mortgage is part of your mortgage? It’s literally not your mortgage, it’s a cost of having a mortgage just like food isn’t healthcare.