you're welcome and thanks for taking a moment to call.
Stewart is a loan officer who found this post about calculating escrow, used the formula and found that he could predict the escrows with good accuracy rather than having to guess. He has since created a bit of software so he could ditch the pencil and paper.
The funny thing about escrow calculation is that most everyone uses software and so that's why most everyone doesn't know the "how to" formula! LOL You, dear readers, have the secret.
Stewart, you're a pro.