Does your mortgage have taxes and insurance escrowed into your payment?  If your property taxes or insurance is reduced then you probably have too much money in your escrow account.  Most lenders do a escrow analysis once a year to determine if a refund is needed but you can request this at any time.  Call your mortgage servicer (the place that send you your mortgage statement) and request a escrow analysis.  If you have too much money, they’ll send you a check!