[JERRY2KONE]

I do agree with you James, but if he is a first time buyer he surely wants to keep things simple and not get caught up with too many differnet payments to worry about. That was my point. Even with using the escrow you get to chose who your insurance company is, so that is totally up to you to do the research and make the right choices. You can also change insurance companies any time you like with most mortgage companies. You do not want the bank choosing your insurance. They will snake you big time.