Escrow Question for everyone

[Hunter Rademacher]

Hi so I am currently in the process of closing on a home when my lender thought it would be smart to totally never bring up the cost of prepaid items to me before closing on the loan.  I know what you are thinking how could you possibly not know that.  Well I a first time home buyer and had no clue so yeah I guess I am to blame a little bit here.  My question is to you guys when it comes to escrow what is standard.  I am reading that you must pay your homeowners insurance policy for a year and 3 months of homeowners insurance that goes into escrow along with 3 months of property taxes that go into escrow.  My lender is trying to say that 6 months of property taxes for escrow is standard.  Will someone please point me in a the direction of what is right and what is wrong here.  My lender seriously doesn't

even know what is right.  as you can see I am paying for property taxes twice for escrow.  Can someone please help me figure out what is right.  It is a conventional loan at 3% down