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

Pat pat.  I heard not all request for escrow closure will be granted. So it is not for sure the escrow can be closed after 4 month. 

NYCB bank only let the escrow be closed after 2 years.  My mortgage with WF in 2009 allows no escrow at the beginning, no extra cost, and the rate was same with or without escrow.  The escrow requirement and cost for escrow waiver seems differ from bank to bank.