So my annual mortgage escrow shortage bill came today and it was over $800. I'm on a roll paying down/off my debts and this will obviously slow it down. Is it wiser to pay it all up front or should I just let it be added on to my monthly mortgage? It will be an additional $50 a month. Our town just went through re-evaluation too, so my taxes will probably be going up too... did I say "probably"?