Hi, everyone,

I am a first time home buyer in the process of buying one. The problem is that the bank (lender) combined principal+interest+hazard insurance+property taxes. However, I want to pay property taxes & insurance separately.

The bank (Bank of America) told me I can make the request after 6 months of regular payments. Does anyone know if this is true? Can I do it earlier? I feel like the bank is not being honest.

Any advice would be appreciated.

Thank you.