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Money held in borrowers' escrow accounts is their property. It cannot legally be used for any purpose other than intended (covering taxes and insurance), and must be refunded to borrowers within 30 days of loans' payoff date. Answer to your question is no, it cannot be used for a buydown, with or withut your consent.
Do my lender have to return my escrow on refince or can they apply it on buy down without my consent.
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