You may be eligible to pay your taxes and insurance independently; however, if private mortgage insurance is required on your home, it must be paid through an escrow account. To cancel your escrow account, submit a request for an escrow waiver. Some criteria we consider for escrow waivers are: Loan-to-value ratio (LTV): Your LTV ratio must be lower than 80%. Occupancy: The property must be your primary residence. Escrow balance: Your escrow account balance must be positive. To request an escrow waiver, please use either of the methods below: Mail us your request at: SouthPoint Home Mortgage, P.O. Box 406, Sleepy Eye, MN 56085 Call us at 877-636-5346