"If your loan is a federally related mortgage loan under RESPA, then there are limits on how much a lender can make you pay, both at closing and in your recurring mortgage payments."
If you have a loan that’s considered “higher-priced” under the Truth in Lending Act then you might be required to pay into an escrow account for at least the first five years of the loan.
If you click on "higher-priced" link it will show jumbo loan is a kind of "higher-priced" that allow up to five years of escrow.
The Average Prime Offer Rate (APOR) is an annual percentage rate that is based on average interest rates, fees, and other terms on mortgages offered to highly qualified borrowers.
Your mortgage will be considered a higher-priced mortgage loan (HPML) if the APR is a certain percentage higher than the APOR, depending on what type of loan you have: