Round Point Mortgage Mortgage Complaint

Round Point Mortgage Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Mississippi

I purchased my home in -/-/-. I refinanced my home in -/-/-. At that time it was a streamline refinance. I had no closing cost. My home was sold to a lender which was round point mortgage in -/-/-. In -/-/- I received an escrow letter stating I owed around $1600.00 in escrow because of my county and city taxes. I understood this because the total taxes were not refinanced into the mortgage because, the taxes were based on an empty lot. I sent a full amount and the mortgage was adjusted to include the amount. Now I receiving an escrow letter stating they want $1000.00 for cushion in escrow or they will raise my mortgage again to reflect a cushion amount. Everything is being paid. And the escrow account is left to a $0.00 balance. I feel since everything is paid there is no need for a cushion amount of $1000.00. And if they needed a cushion amount this should have been explain on the front end of the refinance or the year the escrow was short for the taxes owed and they adjusted the mortgage. Now I am looking at another $100.00 in mortgage adjustment I can not afford or a full payment of $1000.00 of cushion I can not afford. This almost feel like an adjustable mortgage rate. My mortgage is going up $100.00 every year. I can not afford this. And I should not be forced to do either if everything is being paid. Cushions of escrow along and adjusting monthly payments is not acceptable if there is no shortages at all. Or they can simple ask for the shortage amount to be paid. But how can you ask for a cushion two years later?