A one-year adjustment is normal. A two-year surprise usually means your servicer missed something, because escrow accounts are supposed to be analyzed every year. So the first move is a direct call to the servicer: ask why the shortfall wasn't caught at the last annual review, and whether they'll spread the repayment over a longer period to soften the monthly jump. Many servicers will work with you on the timeline. Two things to keep straight: - The underlying driver is usually that your property taxes really did rise. California's Prop 13 caps assessed-value increases at 2% a year, but in states without that kind of limit, a home whose value jumped can carry a much larger tax bill. - The servicer is only the middleman collecting for the county. Even if they mishandled the timing, you still owe the real tax, so the goal is fixing the payment schedule rather than erasing the bill. Pull your closing documents, which spell out the escrow terms, and if you think the correction is too large, ask your loan officer to help you read the analysis line by line. You're entitled to a full explanation of how the new figure was calculated before you accept a 50% increase as final.