Simplifying the property tax and insurance payment process through technology — providing more cash at closing, insurance and property tax monitoring, and supplemental tax bill support and payment.
Available nationwide · Residential, commercial and private money · Enroll at closing or any time after
Zero
Reserves held at closing
4
Products across purchase, refi and private money
FDIC
Insured banking partner holds your funds
The problem
Tax and insurance reserves take away from the borrower’s bottom line — and they’re unnecessary
When a mortgage company impounds, months of your property taxes and homeowners insurance get collected up front and held in an account you can’t touch. Those reserves land in the cash-to-close on your Loan Estimate, and in high-tax states they can be a five-figure line item — capital that could have gone toward your down payment, your rate, or the work the house needs.
Background reading: what an impound account is · escrow reserves at closing · escrow waivers.
Easy Impound provides the same service, end to end, without the lender holding the money. You get the security of having taxes and insurance handled for you, and you keep the capital at closing.
Illustrative closing comparison
- Lender impound — tax reserves collected2–8 months
- Lender impound — insurance reserves collected2–3 months
- Total lender reserves held upfront$5,000–$15,000
- Easy Impound — reserves collected at closing$0
- Easy Impound — one-time setup$60–$300
Illustrative only. The dollar range shown is a typical example, not a quote — actual reserves depend on your property tax and insurance amounts, and are set by your lender based on loan program, state and closing date. Use of Easy Impound in place of a lender escrow account is subject to lender approval and loan program guidelines.
Our products
One platform, four ways to use it
Whether you’re buying, refinancing, holding a portfolio or lending private money, there’s an Easy Impound structure that fits.
NationwideResidential · Commercial · Private Money
Reserve Eliminator
Our core product. Instead of the mortgage company impounding your taxes and insurance, Easy Impound manages the whole thing for you — end to end.
- No lender reserves collected at closing
- Monthly collection sized to your real bills
- We monitor assessed value and tax changes
- Insurance monitoring and premium payment
From $60/yr per property · $60–$300 one-time setup
Learn moreCalifornia · Purchase only
Reserve Eliminator Plus Supplemental
Everything in Reserve Eliminator, plus the piece almost every California buyer gets blindsided by: the supplemental tax bill.
- All Reserve Eliminator coverage
- We budget for your supplemental bill from day one
- We pay the supplemental bill when it arrives
- Reassessment tracked after your purchase closes
From $60/yr per property · $60–$300 one-time setup
Learn moreCalifornia onlyFHA & conventional · 90–100% LTV
Supplemental Tax Solution
A California buyer required to impound through your servicer? Your escrow was sized off the previous owner’s taxes. We cover the gap that creates.
- California purchases — works alongside your servicer’s escrow
- Budgets purely for your supplemental tax bill
- Upload the bill — we pay it
- No recurring subscription fee
$350 one-time technology fee · no recurring fee
Learn morePrivate moneyShort term
Private Money Impound
A short-term structure for private money loans — full Easy Impound coverage that protects the lender’s collateral without tying up borrower capital.
- Full Reserve Eliminator coverage in a short-term structure
- Supplemental Tax Solution available on California deals
- Lender-visible proof taxes and insurance are current
- Built for entity-held properties
From $60/yr per property · $300 one-time setup
Learn moreHow it works
How Easy Impound works
Set up an account with us and we pay your taxes and insurance on time, every time. Enroll during your real estate transaction or any time after.
1
Set up your account
Register your property and link a payment method. We automatically retrieve your tax information from county and carrier records — no upfront reserves required.
2
We build your budget
We calculate what your real annual obligation will be — including reassessment and premium changes — and divide it into predictable monthly collections.
3
Monthly collections
We collect 1/12th of your annual bill each month via ACH, debit or credit card. No large upfront payment needed.
4
On-time payments
We pay your taxes directly to the county and your premium directly to your carrier, on time, every time. No late fees, no penalties, no stress.
Flexible payment options
Fund your account with ACH direct debit, debit card or credit card. Choose the method that works best for you at sign-up and change it any time. All ACH transactions are protected by Plaid.
What you get
Why choose Easy Impound?
More than a payment service — an active watch on the two bills most likely to blow up your housing budget.
No upfront reserves at closing
We eliminate the need for lender-held reserves, freeing up capital at closing for the things that actually move your deal forward.
No large annual or semi-annual bills
Spread your property tax payments over 12 months for better cash flow, instead of scrambling twice a year.
Tax value monitoring
We track assessed value changes, reassessments and rate changes, and adjust your monthly amount before a shortage becomes your problem.
Insurance monitoring
We monitor your homeowners policy for renewal, cancellation and premium changes, and pay the premium so coverage never lapses. Learn more →
Supplemental bill handling
In California, supplemental tax bills arrive after a purchase and catch buyers off guard. We budget for them and pay them for you.
Never miss a due date
We track all due dates and make payments on time, avoiding penalties, late fees and delinquency notices.
No lender holding your money
Unlike a traditional escrow account, we don’t require months of reserves upfront — you pay as you go.
Transparent tracking
See exactly where your money goes with itemized payment history, receipts and confirmations for every disbursement.
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.
SOC 2 audited FDIC-insured banking partner Bank logins never stored AES-256 encryption at rest Itemized payment receipts
About Easy Impound
Unlock. Modernize. Streamline.
Escrow hasn’t meaningfully changed in decades. Lenders still hold homeowners’ money in accounts those homeowners can’t see, sized on stale numbers, funded with reserves collected at the worst possible moment — closing.
Easy Impound rebuilt that process around the homeowner. We connect directly to county systems and insurance carriers, we budget from the numbers that will actually apply to your property, and we pay on time. You keep your capital and the visibility.
Frequently asked questions
Is Easy Impound a replacement for my lender’s escrow account?
With Reserve Eliminator, yes — the goal is to waive the lender impound so no reserves are collected at closing and Easy Impound manages the taxes and insurance instead. Whether an escrow waiver is available depends on your loan program, LTV and lender. On high-LTV FHA and conventional loans where impound is required, California buyers can use Supplemental Tax Solution, which works alongside the servicer’s escrow rather than replacing it.
What is a supplemental tax bill and why do I need coverage for it?
In California, when a property changes ownership it is reassessed at the new purchase price. The county then issues a one-time supplemental tax bill for the difference between the previous owner’s assessed value and yours. Because servicer escrow accounts are typically sized on the previous owner’s tax amount, that bill often isn’t escrowed — it lands on the buyer directly, months after closing, and can be several thousand dollars.
Where is my money held?
Collected funds are held in FDIC-insured accounts at our banking partner and are used solely to pay the property tax and insurance obligations you enroll. All ACH transactions are protected by Plaid, which secures the connection to your bank so your account credentials are never stored by us.
Can I enroll after I’ve already closed?
Yes. Reserve Eliminator can be set up during a real estate transaction or at any point after. Reserve Eliminator Plus Supplemental is a California purchase product and must be set up in connection with a purchase.
What happens if my tax bill or premium goes up?
We monitor assessed values, tax rates and insurance renewals throughout the year. When your obligation changes, we recalculate your monthly amount and notify you before the change takes effect, so you’re never surprised by a shortage at the end of the year.
How much does it cost?
There is a one-time setup fee per property ($60 personal, $100 LLC/business, $300 private money LLC) and then an annual or monthly subscription per property, starting at $99/yr and dropping to $60/yr at higher property counts. Supplemental Tax Solution is a flat $350 technology fee at sign-up with no recurring fee. See the full pricing page.
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