[MC S]

I just got a letter from my lender and it says that I have an escrow shortage of $5,800. Not only that, because of tax and insurance increases, my mortgage will increase by $200 for 2010. So, the letter says to either pay the shortage off or add it my mortage for a total of $2,600 a month (200 for tax/insurance increase and $400 for shortage). I under the $200 increase, but how I can be short for 2009? That's a lot of money. It's as if I didn't pay any escrow for 2009, but I did at $400 a month! I haven't gotten to calling my lender yet so can someone please explain to me how I can be short and how I can lower my mortgage payment. My payment just increased by $600!!! Please help.