Mortgage escrow is short

[TLB]

JoeH wrote:
[quote=macphanatic]
[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%.
Isn't that in reference to PMI, rather than escrow. I thought escrow provisions were a clause in the mortgage contract.