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Can I get a loan without escrow?

I don't like that my loan automatically has this forced escrow account. Can't I just pay my property taxes myself? I'd rather I kept all that money myself so that I can get interest on it rather than just put it in the account that my mortgage company has and it sits there.

Asked By Peter | Peoria, IL | 67 views | Finance Legal Info | 2 months ago

Answer(1)

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Julianne Clark | Your Lowcountry Compass

Charter One Realty

(47)

Depending on your financing type and the amount you put down toward the purchase of the home -- yes -- you can pay your own taxes and insurance. If you are using a government loan (USDA, VA, FHA) -- those costs (as well as other fees) are built into your monthly payment. Most times -- using conventional financing with 20% down and you can be in control of paying those associated costs yourself.

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