Can I choose to pay taxes and homeowners insurance and not escrow?Hi all, We have 20 percent equity in our new home. It is a new construction, and we are refinancing the construction mortgage into permanent 30 year fixed conventional loan.My question is, can we opt to pay our property taxes and homeowners insurance, yearly, out of pocket? I prefer this to dealing with escrow because escrow accounts make it more challenging to shop for a better deal on homeowner's insurance and escrow accounts always seems to need extra "padding."May 12 2014 - US00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.