Will escrow be included in my home loan?

Yes they will unless your loan to value is 80% or less. Thanks!

Depends. Most loans over 80% will require it. Many loans under 80%, it is an option. Some loans regardless of down payment will require it. You'll need to speak to your loan officer for your specific situation. I lend in WI, MN, and SD. I can be reached at https://stpaul-mortgage.com (NMLS 274132)