I have had this loan for 19 years and never have had an escrow account until this year. I don't know why they started this escrow account. Thank you
First thing I'd do is call your loan servicer and ask what their reason and legal grounds for this is. Did you miss a tax payment or have your insurance cancelled due to non payment? That MIGHT be grounds for them to start an escrow account, but outside that, I know of no legal grounds for them to force you to escrow if you currently haven't been.