Reserve Eliminator
Available nationwide Residential Commercial Private money
Keep your reserves.
Never miss a tax or insurance payment.
Instead of the mortgage company impounding your taxes and insurance, Easy Impound provides the service for you — end to end. No reserves collected at closing, and the same certainty that both bills get paid on time.
The core idea
Eliminate the reserve requirement, keep the protection
A lender impound exists to protect the lender’s collateral: they want proof the taxes get paid and the insurance stays in force. The cost of that protection is paid by you — in reserves collected at closing and in months of your money sitting in an account you can’t see.
Easy Impound delivers the same outcome through a different structure. We take on the collection, the monitoring and the disbursement, and we do it without requiring you to fund months of reserves before you even get the keys.
New to any of this? Start with what an impound account is, or see what reserves actually cost at closing.
The product is nationwide. It’s most valuable in high-tax states, where reserve requirements are largest — but a homeowner anywhere gets the same benefit: less money to close and the security of taxes and insurance being paid for them.
What we take over
- Property tax due-date trackingIncluded
- Assessed value & reassessment monitoringIncluded
- Tax payment direct to the countyIncluded
- Homeowners insurance monitoringIncluded
- Premium payment direct to the carrierIncluded
- Monthly budget recalculationIncluded
- Itemized receipts & payment historyIncluded
- Reserves collected at closing$0
Included
What Reserve Eliminator covers
Capital freed at closing
No lender-held tax or insurance reserves and no prepaid cushion. That money stays in your pocket for the down payment, the rate buy-down, or the work the house needs.
Twelve predictable payments
Your annual obligation divided across the year instead of one or two large bills. ACH, debit or credit card, your choice.
Tax value updates
We watch assessed values and rate changes and adjust your monthly amount when the number moves — before a shortage builds.
Insurance monitoring
Renewals, premium increases and cancellation notices are tracked, and we pay the premium so coverage never lapses on a technicality. See how insurance monitoring works →
On-time payment guarantee process
We track every due date and pay directly to the county and carrier — avoiding penalties, late fees and delinquency.
Full transparency
Every collection and disbursement itemized, with receipts and confirmations you can hand to a lender, accountant or partner.
Who it’s for
Three ways people use it
Residential
Buyers and homeowners who want their taxes and insurance handled without handing the lender a reserve deposit at closing. Enroll during your transaction or after.
Commercial
Entity-held and commercial property owners managing tax and insurance obligations across multiple parcels, with volume pricing as the portfolio grows.
Private money
Short-term loans where the lender needs proof taxes and insurance are current, but neither side wants capital tied up in reserves. See the private money product →
Pricing at a glance
Full detail, including volume tiers, on the pricing page.
$60
One-time setup — personal
$100
One-time setup — LLC / business
$60–$120
Annual subscription per property
A property is classified as LLC / Business based solely on the bank account linked to it. If the linked account is owned by a business entity, the property is billed at the LLC / Business or Private Money LLC rate and requires business verification (KYB) — regardless of who owns the property.
Buying in California? A purchase triggers a reassessment and a one-time supplemental tax bill that standard escrow accounts do not budget for. Reserve Eliminator Plus Supplemental adds that coverage.
Other Easy Impound products
CA purchase
Reserve Eliminator Plus Supplemental
Everything in Reserve Eliminator, plus we budget for and pay your supplemental tax bill.
California
Supplemental Tax Solution
For California buyers who must impound with the servicer. Covers the supplemental tax bill only — $350 one-time.
Short term
Private Money Impound
Full Easy Impound coverage built for short-term private money loans and their lenders.
Your money is protected
All collected funds are held in FDIC-insured accounts through our banking partner and are used for one thing only: paying the property tax and insurance obligations you enroll. Every collection and disbursement is itemized in your dashboard.
FDIC-insured banking partner ACH protected by Plaid Bank-level encryption Itemized payment receipts
Ready to take your reserves back?
Set up an account in minutes. Enroll during your real estate transaction or any time after — there is no closing deadline.
Start Today