I’m trying to remember when I last had a real “free trial” and not these “give me your credit card subscription scams”. A bonafide “try our thing for real” situation made me buy it.
Free food or drinks for sure. Maybe a newspaper or magazine when I was a kid?
Yes, your escrow can go up that much if your property tax, school tax, or in some cases insurance had a sudden jump in value or changes in what can be claimed. It varies by area and loan, but isn’t unheard of.