You could have a damaged or bad battery. If the alternator is warm when the engine is cold, check for a shorted or leaking diodes in the alternator. Connect a small 12-volt bulb across the positive and negative battery terminals to test the bulb and the battery. If it glows brightly, then remove the negative battery cable and connect the bulb in series between the negative battery cable terminal clamp and the negative battery terminal.
An escrow account is a type of bank account held by a third party for the benefit of two other parties. While escrows can be used in just about any transaction, they're frequently used in real estate dealings. Having a separate account for the money helps to protect both parties.
Your escrow account is the portion of your mortgage payment that goes to pay property taxes and homeowner's insurance. The mortgage company estimates the sum of those two bills, divides them by 12, and tacks that much extra on to your payment every month. If they estimated wrong and have escrow money left over after paying those two bills, the law says they have to refund you what's left. I have an escrow account for my mortgage.