If your escrow account balance is less than the required amount needed at the time of your analysis, it may have a projected shortage. Your escrow shortage is automatically spread over a 12-month period and included in your monthly payment. You do, however, have the option to pay the shortage in full. If you choose to pay the escrow shortage, your monthly mortgage payment will be adjusted to reflect the payment. When remitting the payment, be sure to indicate that the purpose is to pay the shortage, to ensure it is applied correctly. If you believe the shortage amount is incorrect please compare the anticipated escrow disbursement amounts for those items escrowed according to your statement with your annual tax bill and/or insurance renewal to ensure the amounts are correct.