What a minute. I think I know what you are asking. In my experience the interest rate isn't changed when there is a waiver of escrows. If a lender is willing to waive the escrow, they usually charge a flat fee at closing, like $100. Every lender is different, so be sure to get your quote in writing.
BTW - Even when a lender waives escrow, they still have an interest in the payment of insurance and taxes. If they find out you aren't paying either, you may be in default, so be careful.
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