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None. As part of our mortgage modification we sought the ability to pay our taxes and insurance independent of our mortgage in order to better manage our monthly expenditures. We communicated our desire to pay our own property tax and home insurance and not to have them escrowed to the relationship manager at the mortgage company people during the modification and trial payment process. Each time we were told that it could be arranged. This was important because it enabled us ( as we told the mortgage servicing company ) to better manage our monthly finances. During the modification process at no time did they state that this could not be done. We are now being told by the Mortgage Servicing Company that they can not allow us to pay our own property tax or home insurance ; and that it mu