@milki It’s probably not a misunderstanding. Banks lure people in with these 0% balance transfers, hoping they don’t pay the balance off by the deadline. Banks are in the business to make money.
@hoorayforjc I wouldn’t suggest using JPM for your investments. Been there done that and it was a huge mistake. Also, JPM only pays .01% on a savings account. At a minimum, I would setup a HYSA somewhere else.
@snervel Escrow usually includes property taxes and homeowners insurance. In some cities, the county auditor might have a website with all sorts of details on the house, including what the current property taxes are.