It will depend on the mortgage terms and conditions that were agreed to. Also what insurance. Property insurance, even if paid though escrow is something she should be buying. Unless she did not have any, and the loan company "bought" the insurance for her. But property insurance should be annual, so there should be no changes to escrow but once a year. Also was this "insurance" term life insurance to pay off the loan in case of death, many lenders try to add this to every loan, because of the high commissions.
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