Sometimes your lender will charge additional points if you waive escrows, so I'd recommend starting with them. Personally I like escrowing for taxes and insurance because it's two fewer things I have to keep track of. Some people also like it if they're bad at budgeting.
Do you mean that if you, yourself, pay in full you get a discount, or that even by your servicer paying in full (because it will only be paid once per year by your loan servicer) you get a discount as well? If your lender is charging the aforementioned points to waive escrows then you would want to weigh whether the one time charge of additional points are worth it for the year over year discount.
Sometimes your lender will charge additional points if you waive escrows, so I'd recommend starting with them. Personally I like escrowing for taxes and insurance because it's two fewer things I have to keep track of. Some people also like it if they're bad at budgeting.
Do you mean that if you, yourself, pay in full you get a discount, or that even by your servicer paying in full (because it will only be paid once per year by your loan servicer) you get a discount as well? If your lender is charging the aforementioned points to waive escrows then you would want to weigh whether the one time charge of additional points are worth it for the year over year discount.
If you pay through escrow you’re paying in full too. They usually only cut them a check once a year.