Most homeowners rarely think about the portion of their monthly mortgage payment that flows into a separate account managed by their loan servicer.  That money sits in an escrow account, building up over months until property tax bills and homeowners insurance premiums come due each year. In 12 states and two U.S. territories, banks were legally required to pay borrowers interest on those funds while the money waited to be disbursed on the homeowner's behalf. Two new federal rules issued by the Office ...