HARP requires to include property tax and insurance paymentI'm currently seeking for refinancing options under HARP. One of the leaders offers 4.375% with a cost for HOA certificate, estimated $250, but requires to include the property taxes and insurance in the monthly mortgage payment.I have 6.125% with the current loan and pay property taxes and insurance separately. Without including the property taxes and insurance, I will lower the payment (principal and interest) by $350 a month.I would like to hear from you whether I should go for this option. Anyone knows what the differences between including property tax and insurance to the payment and not including. Thanks in advance!August 23 2012 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.