Cramer’s mortgage contained a provision requiring her to pay monthly tax and insurance payments into an escrow account held by the bank in addition to principal and interest. Cramer paid the principal and interest regularly but refused to pay the tax and insurance e s crow payments. The bank brought foreclosure proceedings. Did it have the right to foreclose on Cramer’s mortgage? Explain. Cramer v. Metro. Sav . & Loan Ass’n ., 258 N.W.2d 20 (MI).