Account Closed 100% they are

I learned how much an escrow account check matters to your overall mortgage payment.

@Elizabeth KingYour accountant is wrong.

I learned how much an escrow account check matters to your overall mortgage payment.

Following this exchange, and after a few more callouts from Melanie, you appear to have downgraded your account on BiggerPockets, and gone inactive coming back only recently to respond to Melanie's post here. 

It can just be held in a savings account, no special account needed, but I always keep mine in an account separate from anything else.

Of course, what they paid isn’t going to take into account the money they have spent on renovations or remodeling, which can be substantial.  

Foreign National programs sometimes require that you have US credit and most will want you to have a US-based bank account.

Set up a contracts account at both Lowes and HD. 

I'm an accountant by trade.