[TheDude]

Hi. Some of you brought up my concerns.

I do not pay taxes because of the injury (non-taxable) and SSD (below tax limits). I did go to the county office and I did complete all my paperwork. It was in the same office area as the VA representative.

My problem is getting the mortgage company to not include taxes in my mortgage payments. Currently they do. What I don't understand is as one poster said that they well refund and adjust my monthly payments after they receive the tax bill.

So, I what I am reading into this is that I pay mortgage (which includes taxes and insurance) and at the end of the year the mortgage lender is going to receive a tax bill and since it will be zero then they are going to refund me money. There is my problem. When do they receive the tax bill; is it the end of 2017. If so, then I will be paying every month for the whole 2017 year.

I'm confused so that is why I was wondering about getting a professional (and I thought that would be a lawyer but it could be an accountant I guess).

Left on my own, I could miss something. I am very laid back and live in the moment. With that said, I quickly forget the past (and to do things I need to do I would guess) so I have to get things done as I think about them, or as in something like bills, I just pay so far in advance that when I remember to do it again, then I am covered.

I question everything in my head also so if I ask many questions, it isn't that I don't validate what is written... it is just I don't completely get it. Getting it is my goal.

Again, thanks everyone who has replied.