Mortgage escrow is short

[JoeH]

macphanatic wrote:
[quote=vicrock]
Or, you could just not do the escrow at all and pay taxes and insurance yourself. That's what we do.

Not all mortage companies give you the option unless it's required by state law.
It is required by federal law once you have met the point of having at least 20% equity and are out of an initial time period on a loan that required escrow for being under 20%.