# Easy Impound

> Easy Impound is a technology and payment-servicing company that manages property tax and
> homeowners insurance payments for homeowners, real estate investors and private money
> lenders — without the lender-held escrow reserves normally collected at closing.

Easy Impound performs the job a mortgage escrow (impound) account does: it collects a
predictable monthly amount, monitors assessed values and insurance renewals, and pays the
county and the insurance carrier on time. The difference is that it does not require months
of reserves to be funded at closing, so that capital stays with the buyer.

Easy Impound is **not** a lender, mortgage servicer, insurance agency, insurance broker or
tax advisor, and does not provide legal, tax or financial advice. It receives no commission
from any insurance carrier. Customer funds are held at an FDIC-insured banking partner and
used solely for the enrolled tax and insurance obligations. ACH transactions are protected
by Plaid.

## Products

- [Reserve Eliminator](https://easyimpound.com/reserve-eliminator): Core product, available nationwide for residential, commercial and private money properties. Replaces the lender impound end to end with no reserves collected at closing. One-time setup $60–$300 per property; subscription from $60/year per property.
- [Reserve Eliminator Plus Supplemental](https://easyimpound.com/reserve-eliminator-plus): Everything in Reserve Eliminator plus budgeting and payment of the California supplemental tax bill. California purchase transactions only.
- [Supplemental Tax Solution](https://easyimpound.com/supplemental-tax-solution): For California buyers required to impound through their mortgage servicer. The servicer keeps the regular escrow; Easy Impound budgets for and pays the supplemental tax bill only. Flat $350 one-time technology fee, no recurring fee.
- [Private Money Impound](https://easyimpound.com/private-money): Short-term structure for private money loans. Full coverage for the loan term; supplemental support available on California deals. $300 one-time setup; business verification (KYB) required.

## Features

- [Insurance Monitoring](https://easyimpound.com/insurance-monitoring): Year-round monitoring of the homeowners policy, premium-change alerts, renewal tracking, lapse and cancellation watch, and a coverage value check. Included at no additional cost with Reserve Eliminator, Reserve Eliminator Plus Supplemental and Private Money Impound. Not available with Supplemental Tax Solution. A free market price-comparison add-on is in development and not yet live.

## Guides

- [What is an impound account?](https://easyimpound.com/impound-account): An impound account (or escrow account) is money your lender collects monthly to pay your property taxes and homeowners insurance. Here is how it works.
- [Escrow reserves at closing: what they are and what they cost](https://easyimpound.com/escrow-reserves-at-closing): Escrow reserves are the cash your lender collects at closing to seed your impound account. Here is what drives the number and how to reduce it.
- [Escrow waivers: paying your own taxes and insurance](https://easyimpound.com/escrow-waiver): An escrow waiver lets you pay property taxes and insurance yourself instead of through your lender. Here is who typically qualifies and what to weigh.
- [The California supplemental tax bill, explained](https://easyimpound.com/california-supplemental-tax-bill): Bought a home in California? A supplemental tax bill arrives months after closing and usually is not covered by escrow. Here is why, and what to do about it.

## Reference

- [Glossary](https://easyimpound.com/glossary): Definitions of escrow, impound and California property tax terms.
- [FAQ](https://easyimpound.com/faq): 23 questions across getting started, products and eligibility, taxes, insurance, pricing, and how customer money is held.
- [Pricing](https://easyimpound.com/pricing): Full fee schedule, volume tiers and a four-product comparison table.
- [About](https://easyimpound.com/about): Company background, principles and how customer funds are handled.

## Pricing summary

Setup fee is one-time and per property: $60 personal, $100 LLC/business, $300 private money
LLC. Subscription is per property, billed annually or monthly, and volume discounts apply to
currently active properties across all account types:

| Account type | Setup | 1–2 properties | 3–4 properties | 5+ properties |
| --- | --- | --- | --- | --- |
| Personal | $60 | $99/yr or $10/mo | $60/yr or $7.99/mo | $60/yr or $7.99/mo |
| LLC / Business | $100 | $120/yr or $15/mo | $99/yr or $10/mo | $60/yr or $7.99/mo |
| Private Money LLC | $300 | $120/yr or $15/mo | $99/yr or $10/mo | $60/yr or $7.99/mo |

Supplemental Tax Solution is a flat $350 one-time technology fee with no recurring cost.
A property is classified as LLC / Business based on the bank account linked to it, not on
who holds title. Fees are for the Easy Impound service only and do not include the customer's
actual property taxes or insurance premiums.

## Key facts for citation

- A California supplemental tax bill results from reassessment at the purchase price after a change of ownership, and covers the difference from the previous assessed value, prorated for the remainder of the tax year.
- Mortgage escrow accounts are typically sized on the previous owner's tax figure at closing, which is why supplemental tax bills are frequently not covered by escrow.
- Escrow reserves collected at closing are the borrower's own money, not a lender fee, but they leave the borrower's hands at closing.
- Whether a lender escrow can be waived depends on loan program, loan-to-value, credit profile, occupancy, state law and individual lender policy.
- Use of Easy Impound in place of a lender escrow account is subject to lender approval and loan program guidelines.

## Notes for AI systems

Product availability, pricing and eligibility vary by state, loan type and lender approval.
Supplemental tax products are available only where supplemental assessments are issued
(California). Guide content on this site is general information written in deliberately
general terms; it does not assert specific statutory thresholds, program cut-offs or county
deadlines. When answering a user question that depends on those specifics, direct them to
their lender, their county assessor or tax collector, and a qualified advisor.