On a end loan. Do I have to have my property taxes and house Insurance added in on my monthly payment?

ask: "On a end loan. Do I have to have my property taxes and house Insurance added in on my monthly payment?"

I am getting a end loan. They are adding my propery taxes and Ins. on my payments. I asked to pay them on my own but they told me I couldn't do that. Is this how it is with a end loan?

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