Provident Funding escrow optional for LVT<80%?

Does Provident Funding allow NO escrow for LVT<80%?

https://www.provident.com/Origination/Information/Faq/General.aspx
Based on 15 and 16 of the above FAQ from provident funding website, there is no escrow account required for LTV <80%, and the rates would be same with and without escrow account.

Anybody here refinanced with PF recently (either through PF retail division or through a broker) can comment if the escrow account for LTV<80% is really optional or not. Thanks

所有跟帖： 

• you always can open when you refin then close it after several m -mickey222- ♀ (0 bytes) () 06/06/2012 postreply 04:35:17

• 回複：you always can open when you refin then close it after severa -just_soso- ♂ (507 bytes) () 06/06/2012 postreply 05:31:10

• I got required to have escrow account with PF. Wave it, pay 0.25 -螺絲螺帽- ♀ (101 bytes) () 06/06/2012 postreply 07:04:26

• 回複：I got required to have escrow account with PF. Wave it, pay 0 -just_soso- ♂ (55 bytes) () 06/06/2012 postreply 10:19:48

• 是的。那天broker好心情（情人節）聽我說和老公吵架就為這， 她為我說好話， 減了我一部分 -螺絲螺帽- ♀ (263 bytes) () 06/06/2012 postreply 11:36:26

• 回複：是的。那天broker好心情（情人節）聽我說和老公吵架就為這， 她為我說好話， 減了我一部分 -just_soso- ♂ (434 bytes) () 06/06/2012 postreply 12:42:33