Yes, you can usually remove escrows after closing; the servicer reviews your loan-to-value and your payment history. If the loan is in good standing, servicers will typically let you switch to paying taxes and insurance yourself. Staying current is the key, since a clean payment record is what earns you that flexibility later. We have had clients call mid-loan and get their impound balance refunded, in one case around ten thousand dollars, so they could manage those bills on their own timeline. Texas is one state where we sometimes lean toward skipping impounds in the first place, because property taxes there are paid once a year, which makes the escrow math and any future refinance a little more involved. Call your servicer, confirm you meet their loan-to-value threshold, and ask for their specific process, since it varies by lender.