Escrows when down payments is only 10% (insurance, loan, loan, lenders)

[HereItIs]

I am in houston and looking to buy a house. My down is 10% but I prefer not to do escrows. Any mortage provider lets you do that ?

[rjrcm]

My first thought was wandering why you would want to skip the escrow process. Now I think you mean impounding taxes and insurance? You need at least 20% down to avoid mortgage insurance payments (MIP).

[VictorBurek]

With only doing 10% down, the only way to avoid escrowing is to split your loan into a 80/10/10. That is a 80% first lien, 10% second lien and the 10% down payment.

I personally do not know any lenders that will not allow you to escrow if you do one loan over 80% loan to value.