×

Advice Topics

Top Contributors (View All)

Chris Yochum
Dickson Realty

Reno, NV

123 Answers
Julianne Clark | Your Lowcountry Compass
Charter One Realty

Beaufort, SC

107 Answers
Lisa and Greg Harris
eXp Realty, LLC

Columbia, SC

91 Answers
Marty & Abby Champagne
RE/MAX Market Place

Oak Creek, WI

83 Answers
Steven Hunt
Real Broker NY LLC

NEW YORK, NY

60 Answers
Lynne Pruell
Realty 100 LLC

South Barrington, IL

47 Answers

Find a Top Real Estate Agent Near You

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 | 549 views | Finance Legal Info | 5 months ago

Answer(2)

Pro

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.

4 months ago
Helpful (2)
Unhelpful (0)

Novice

Alexandre Ferrari

Buy Direct Real Estate Inc

I work with a wholesale lender that allows escrow waivers on most conventional loans up to 97% LTV keep in mind that you have to meet the requirements.

2 months ago
Helpful (0)
Unhelpful (0)

Are you ready to find a top agent near you?

Browse profiles of the highest ranked agents in your area and find one that meets your specific needs.

Related Questions

If I sell my home, will my boyfriend receive part of the sale?

I wanted some clarification before deciding to put my home on the market. My boyfriend and I purchased a home together several years ago. We split up so he signed a quitclaim deed but is obviously still on the loan. If I want to sell my home that I have been making payments on myself for the last 8 years. Does he need to sign anything and would he be entitled to any of the sale money?
- Asked by Eileen K.
- 1254 views
- Finance & Legal Info
- 4 years ago
12 Answers
Can the new owner of the rental property I live in kick me out?

The rental property that I'm living in now was sold to a new owner. The new owner wants to kick me out, remodel the unit, and re-rent the unit for a higher price. Is that legal?
- Asked by Mario S.
- Los Angeles, CA
- 1239 views
- Finance & Legal Info
- 4 years ago
7 Answers

Find Top Real Estate Agents Today

Search for Agents by Top U.S Cities

Search for Agents by States

Search for Company by States

.LOGONWCOMN img{margin-right:8px;}.main-menu.noLogin.is-visible,.main-menu.noLogin{width:100%;padding-top:64px;top:0px;max-width:100%;box-shadow:none;}.nav-login-mn ul{margin:0;}ul#menu-nav{margin:0px auto;width:300px;}body.noscroll{position:fixed;overflow:hidden;width:100%;height:100%;}.main-menu.noLogin .btn-close{display:none !important;}.bar-menu.mobilepros .btn-close{font-size:55px;line-height:14px;z-index:99999;z-index:9;position:relative;color:#333;}.LOGONWCOMN-BrAnD .BrAnD-Mobile{display:none;}.LOGONWCOMN-BrAnD img.BrAnD-desktop{width:152px;height:32px;}.main-menu .menu01 #menu-nav li.menu-item-has-children:before{transition:none;-moz-transition:none;-webkit-transition:none;}.nav-login-mn .menu-item-has-children:hover ul{left:inherit;right:0px;}.nav-login-mn .menu-item-has-children:nth-of-type(3):hover ul,.nav-login-mn .menu-item-has-children:nth-of-type(4):hover ul{display:inline-block;flex-wrap:inherit;width:400px;-moz-column-count:2;-webkit-column-count:2;column-count:2;}.nav-login-mn .menu-item-has-children:nth-of-type(3) ul li,.nav-login-mn .menu-item-has-children:nth-of-type(4) ul li{width:100%;}.nav-login-mn .menu-item-has-children:nth-of-type(2):hover ul{display:block;flex-wrap:inherit;width:280px;}.nav-login-mn .menu-item-has-children:nth-of-type(2) ul li{width:100%;}.menubtnh_logo_mob{display:none;}@media only screen and (max-width: 1320px){.logo_small .LOGONWCOMN-BrAnD .BrAnD-desktop{display:none;}.logo_small .navbar-header.active .LOGONWCOMN-BrAnD .BrAnD-desktop{display:block;}.logo_small .navbar-header.active .LOGONWCOMN-BrAnD .BrAnD-Mobile{display:none;}.logo_small .LOGONWCOMN-BrAnD .BrAnD-Mobile{display:block;width:auto;}}@media only screen and (max-width: 1024px){#menu-nav.nav>li>a:hover{background:none !important;color:#006adc;}#menu-nav.nav>li.menu-item-has-children>a:hover{color:#000;}header.header_main .navbar-header.active{position:relative;z-index:9999999;}.nologin .LoGInSiDEHeD{position:absolute;bottom:0;width:100%;padding-bottom:0;margin-bottom:0;border-top:none;}.nologin,.menu-nav-container{height:100%;}.main-menu .menu01 #menu-nav li.LONMOB_BtN{position:absolute;height:auto;margin:0px;width:100%;bottom:32px;border:none;}.main-menu .menu01 #menu-nav li.LONMOB_BtN ul li:last-child{margin-bottom:0px;}.main-menu .menu01 #menu-nav li.menu-item-has-children:before{top:19px;}.main-menu.noLogin .menu01 .menu-nav-container .nav li a,nav.main-menu .menu01 .menu-nav-container .nav li.header_btn a{font-family:"ProximaNovaSemiBold" !important;font-size:18px;padding:16px 16px 14px 16px !important;line-height:22px;}nav.main-menu .menu01 .menu-nav-container .nav li.header_btn a:focus{color:#006adc !important;}.main-menu.noLogin{transition:initial;-webkit-transform:inherit;transform:inherit;display:none;}.main-menu.noLogin .menu-nav-container .nologin .nav{padding:0;}.main-menu.noLogin.is-visible{display:block;}.TermPrivacy{display:block;position:relative;bottom:0px;left:0;padding-left:25px;list-style-type:none;text-align:left;top:40px;}.main-menu.noLogin .menu01 .menu-nav-container .nav .sub-menu a{padding:8px 0;}nav.main-menu .menu01 .menu-nav-container .nav li.NOBORDER{margin-bottom:22px;}nav.main-menu .menu01 .menu-nav-container .nav li a{font-size:18px;}nav.main-menu .menu01 .menu-nav-container .nav li.header_btn,nav.main-menu .menu01 .menu-nav-container .nav li.NOBORDER{border:none;}.main-menu.noLogin .menu01 .menu-nav-container .nav li.header_btn{padding:0px 15px;margin-bottom:15px;}nav.main-menu .menu01 .menu-nav-container .nav li.header_btn a{text-align:center;background:#fff;border:1px solid #2d3845;color:#2d3845;border-radius:6px;height:50px;padding:10px;}nav.main-menu .menu01 .menu-nav-container .nav li.header_btn a.LOGBGBLK{text-align:center;background:#006ee0;border:1px solid #006ee0;color:#fff;border-radius:6px;height:50px;padding:10px;}.bar-menu.mobilepros .btn-close{z-index:9999999999;}nav.main-menu{z-index:999999;}.bar-menu.mobilepros .btn-close img{width:18px;}.main-menu .menu01 #menu-nav li.menu-item-has-children:after{content:"";position:absolute;width:10px;height:10px;border:2px solid #333;border-top:none;border-left:none;transform:rotate(-45deg);right:16px;top:22px !important;bottom:auto;margin:auto;}.main-menu .menu01 #menu-nav li.menu-item-has-children.active_dropdown:after{transform:rotate(45deg);border-color:#006adc;}.main-menu .menu01 #menu-nav li.active_dropdown{position:relative;top:0px;width:100%;height:auto;right:0;background:#fff;z-index:9999;}.main-menu .menu01 #menu-nav.active li{background:#f4f9fe;}.main-menu .menu01 #menu-nav li.active_dropdown a{color:#006adc !important;}.main-menu .menu01 #menu-nav li ul.sub-menu{padding-left:0px;margin-bottom:7px;padding-top:7px;display:none;border-top:1px solid #e5e5e5;}.main-menu .menu01 #menu-nav li ul.sub-menu li{padding-left:42px;padding-right:13px;border:none;}.main-menu .menu01 #menu-nav li ul.sub-menu li a{padding:4px 16px 4px 16px !important;font-size:18px;line-height:22px;color:#333 !important;margin:8px 0;font-family:"ProximaNovaRegular" !important;}.main-menu .menu01 #menu-nav li ul.sub-menu li a:hover,.main-menu .menu01 #menu-nav li ul.sub-menu li a:focus{color:#006adc !important;background:#eff6fe !important;border-radius:4px;}.menu01.right-sidemenu{height:100%;}.overlay-screen,div.menu-icon,#menu-button,i.icon:before,i.icon:after,nav.main-menu,nav ul li a{transition:inherit;}.menu01.right-sidemenu.active-menu{background:#f4f9fe;}ul#menu-nav{margin:0px auto;width:100%;max-height:calc(100vh - 301px);overflow:auto;}div.overlay-screen.noLogin.is-visible{opacity:1;visibility:visible;display:block;background:rgba(0,0,0,.5);z-index:9999;}nav.main-menu .menu01 .menu-nav-container .nav li{display:block;position:relative;border-top:1px solid #d9d9d9;border-bottom:none;}nav.main-menu .menu01 .menu-nav-container .nav li:nth-of-type(4){border-bottom:1px solid #d9d9d9;}header.header_main .navbar-brand{padding:4px 15px 8px 0;}}@media only screen and (max-width: 767px){.menu01.right-sidemenu{height:100%;}.overlay-screen,div.menu-icon,#menu-button,i.icon:before,i.icon:after,nav.main-menu,nav ul li a{transition:inherit;}.bar-menu.mobilepros{top:-10px;margin-right:0;padding:18px 0px 0;right:0px;}header.header_main .navbar-brand{padding:3px 15px 3px 0;}.bar-menu.mobilepros .menubtnh{z-index:9;}header.header_main.common.header_search.new_clint_clss{height:56px;}header.header_main.new_clint_clss .navbar-brand{padding:3px 15px 3px 0 !important;}.main-menu.noLogin.is-visible,.main-menu.noLogin{padding-top:55px;}}@media only screen and (max-width: 568px){div.overlay-screen.noLogin.is-visible{background:rgba(0,0,0,.3);}}@media only screen and (max-width: 370px){}@media only screen and (min-height: 667px){nav.main-menu .menu01 .menu-nav-container .nav li.header_btn a.LOGBGBLK{}}.LSMoDal_ShAPE .modal-dialog{margin-top:40px !important;}.LSMoDal_ShAPE .modal-dialog .modal-body ._login-body .form-group .input-group .input-group-addon{top:28px !important;}@media only screen and (max-width: 767px){.LSMoDal_ShAPE .modal-dialog{margin-top:0px !important;}}.fedColor a,.fedColor{color:#808080;}.fedColor img{filter:invert(1) sepia(0) saturate(0) hue-rotate(0deg) brightness(1);}.mbottom{margin-bottom:10px;}.copyright .copyright_sml{font-size:13px;margin-top:1px;}.FTCoLUMN.FTCOLONE ul li{padding-right:15px;}.copyright .copyright_sml a{color:#bbb;}.footerBlueBg{background:#506386;padding:32px 0;clear:both;}.FOOtERDROPDOwN{padding-top:44px;padding-bottom:43px;}.footer_n01 .heading p{font-family:"proximanovabold" !important;}.footerBlueBg ul,footer ul{list-style-type:none;padding:0px;}.addres_txt{color:#ddd;text-align:left;margin:10px 0 0 0;font-size:13px;}.footerBgImg{background:url("https://cdn-fmbcc.nitrocdn.com/ZzlEsezCsohYRGLATkfJUkBUBEyxMqrz/assets/images/optimized/rev-42df0db/www.fastexpert.com/images/fotter-bg-img.png") no-repeat top right 50px;}.footerBgImg.nitro-lazy{background:none !important;}.footerBlueBg h5{color:#fff;font-size:20px;margin-bottom:50px;font-weight:normal;margin:0;padding-bottom:60px;font-family:"proximanovabold";}.footer-blue{width:auto;float:left;padding-right:60px;}.footer-blue:last-child{padding-right:0;}.footer-blue ul{padding:0;margin:0;list-style-type:none;}.footer-blue ul li{font-size:16px;line-height:22px;}.footer-blue ul a{color:#fff;font-family:"ProximaNovaRegular";text-decoration:none;}.footer-blue ul li:hover a{color:#ddd;}.footerBlueBg .first_Section,.footerBlueBg .Second_Section{padding-right:60px;float:left;}.footerBlueBg .customStateNav .first_Section,.footerBlueBg .customStateNav .Second_Section{padding-right:0px;width:100%;}.fAGnTLisTInG{margin-bottom:60px;}.fAGnTLisTInG h5{margin-bottom:25px;padding-bottom:0px;}.fAGnTLisTInG .footer_agent_list ul{list-style-type:none;padding:0px;margin:0px;display:flex;flex-wrap:wrap;}.fAGnTLisTInG .footer_agent_list ul li{width:14%;font-size:16px;line-height:22px;}.fAGnTLisTInG .footer_agent_list ul li a{color:#fff;font-family:"ProximaNovaRegular";text-decoration:none;}.footer-Inner{display:flex;display:-webkit-flex;flex-wrap:wrap;-webkit-flex-wrap:wrap;padding-bottom:100px;}.footer-Inner ul li{font-size:16px;line-height:22px;color:#fff;font-family:proximanovaregular;}.footer-Inner ul li a{color:#fff;text-decoration:none;}.footer-Inner ul li a:hover{color:#ddd;}.FTCoLUMN.FTCOLONE{width:45%;}.FTCoLUMN.FTCOLONE ul,.FTCoLUMN.FTCOLTHREE ul{display:flex;flex-wrap:wrap;}.FTCoLUMN.FTCOLONE ul li{width:50%;}.FTCoLUMN.FTCOLTHREE ul li{width:100%;}.FTCoLUMN.FTCOLTWO{width:20%;}.FTCoLUMN.FTCOLTHREE{width:15%;}.FTCoLUMN.FTCOLFOUR{width:17%;padding-top:10px;}.FTCoLUMN.FTCOLFOUR .social_menu{display:flex;margin-top:-10px;flex-wrap:wrap;align-items:center;}.FTCoLUMN.FTCOLFOUR .social_menu .FTLOGOINC,.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL{width:100%;}.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL{max-width:200px;margin:0 auto;}.social_menu .inc-log0 li:nth-child(1){margin-right:10px;}.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL p{color:#fff;font-size:16px;text-align:left;padding-left:15px;margin-top:20px;font-family:"ProximaNovaSemiBold";}.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL ul li a .fa{position:relative;top:3px;font-size:20px;color:#fff;}.footer_n01{padding-top:100px;}.collfooter{text-align:center;padding-bottom:0px;}.collfooter label{text-decoration:none;font-size:16px;line-height:19px;color:#f0f0f0;position:relative;font-weight:normal;padding-right:30px;}.collfooter label .fa{color:#fff;transition:transform .5s linear;padding-left:0;font-size:23px;line-height:10px;position:absolute;top:5px;right:0;}.collfooter label.active .fa{transform:rotate(-180deg);transition:transform .5s linear;}.FOOtERDROPDOwN{padding-top:44px;padding-bottom:43px;}.footerBlueBg input[id^="spoiler"]{display:none;}.footerBlueBg input[id^="spoiler"] + label{display:inline-block;width:100%;color:#fff;color:#f0f0f0;transition:all .6s;text-align:center;font-size:16px;line-height:19px;font-weight:700;cursor:pointer;}.footerBlueBg input[id^="spoiler"] + label:hover{text-decoration:underline;}.footerBlueBg input[id^="spoiler"] + label .fa{color:#fff;transition:transform .5s linear;padding-left:0;font-size:23px;line-height:20px;position:relative;top:4px;margin-left:10px;}.footerBlueBg input[id^="spoiler"]:checked + label .fa{transform:rotate(-180deg);transition:transform .5s linear;}.footerBlueBg input[id^="spoiler"]:checked + label{color:#fff;text-align:center;opacity:1;height:auto;}.footerBlueBg input[id^="spoiler"] ~ .spoiler{width:100%;height:0;display:none;opacity:0;transition:all .6s;}.footerBlueBg input[id^="spoiler"]:checked + label + .spoiler{height:auto;opacity:1;display:block;}@media all and (max-width: 1200px){.footer-blue{padding-right:45px;}.footerBlueBg .first_Section,.footerBlueBg .Second_Section{padding-right:45px;float:left;}.FTCoLUMN.FTCOLONE{width:50%;}.FTCoLUMN.FTCOLTHREE{width:25%;}.FTCoLUMN.FTCOLFOUR{width:30%;}}@media all and (max-width: 1024px){.FTCoLUMN.FTCOLONE ul li{padding-right:5px;}.fAGnTLisTInG .footer_agent_list ul li{width:16.33%;font-size:16px;line-height:22px;}}@media all and (max-width: 991px){.FTCoLUMN.FTCOLONE{width:70%;}.FTCoLUMN.FTCOLTWO{width:30%;}.FTCoLUMN.FTCOLTHREE{width:40%;margin-top:40px;}.FTCoLUMN.FTCOLFOUR{width:60%;margin-top:40px;}.fAGnTLisTInG .footer_agent_list ul li{width:33.33%;font-size:16px;line-height:22px;}.inc-log0 ul li a img{width:50px;height:auto;}}@media only screen and (min-device-width: 768px) and (max-device-width: 1024px) and (-webkit-min-device-pixel-ratio: 2){.FTCoLUMN.FTCOLONE{width:68%;float:left;}.FTCoLUMN.FTCOLTWO{width:28%;float:left;}.FTCoLUMN.FTCOLTHREE{width:38%;margin-top:40px;float:left;}.FTCoLUMN.FTCOLFOUR{width:58%;margin-top:40px;float:left;}.fAGnTLisTInG .footer_agent_list ul li{width:32%;font-size:16px;line-height:22px;float:left;}.FTCoLUMN.FTCOLONE ul li{width:48%;float:left;}}@media only screen and (min-device-width : 700px) and (max-device-width : 1023px)(-webkit-min-device-pixel-ratio: 1.0){.FTCoLUMN.FTCOLONE{width:68%;float:left;}.FTCoLUMN.FTCOLTWO{width:28%;float:left;}.FTCoLUMN.FTCOLTHREE{width:38%;margin-top:40px;float:left;}.FTCoLUMN.FTCOLFOUR{width:58%;margin-top:40px;float:left;}.fAGnTLisTInG .footer_agent_list ul li{width:32%;font-size:16px;line-height:22px;float:left;}.FTCoLUMN.FTCOLONE ul li{width:48%;float:left;}}@media all and (max-width: 990px){.footer-blue{padding-right:10px;}.footerBlueBg .first_Section,.footerBlueBg .first_Section,.footerBlueBg .Second_Section{padding-right:10px;float:left;width:100%;}.footerBlueBg .first_Section .footer-blue,.footerBlueBg .Second_Section .footer-blue{padding-right:10px;float:left;width:33%;}}@media all and (max-width: 768px){.footer-blue{width:33.333%;padding-right:0%;}.footer-blue:last-child{padding-right:10%;}}@media all and (max-width: 767px){.FTCoLUMN.FTCOLFOUR .social_menu .FTLOGOINC,.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL{width:auto;}.footer-Inner{margin-bottom:30px;}.inc-log0 ul li a img{width:70px;}.inc-log0 ul .bbb_logo a img{width:50px;}.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL{margin:0 0 0 20px;max-width:inherit;}.footerBlueBg .first_Section,.footerBlueBg .Second_Section{padding-right:10px;float:left;width:50%;}.FTCoLUMN.FTCOLONE ul li{padding-right:10px;margin-bottom:15px;line-height:18px;}.footerBlueBg .first_Section .footer-blue,.footerBlueBg .Second_Section .footer-blue{padding-right:10px;float:left;width:100%;}.footer-blue.LastFooter{float:right;width:50%;}.FTCoLUMN.FTCOLONE{width:100%;}.FTCoLUMN.FTCOLTWO{width:40%;margin-top:40px;}.FTCoLUMN.FTCOLTHREE{width:60%;margin-top:40px;}.FTCoLUMN.FTCOLFOUR{width:100%;margin-top:40px;}.fAGnTLisTInG .footer_agent_list ul li{width:50%;font-size:16px;line-height:22px;}}@media all and (max-width: 460px){.footer-blue{width:50%;}}@media all and (max-width: 390px){.FTCoLUMN.FTCOLFOUR .social_menu .FTSOCiAL{margin:0;}.social_menu .inc-log0 li:nth-child(1){margin-right:0;}}@media all and (max-width: 350px){.footer-blue{width:100%;float:none;}}body{padding:0px !important;margin:0px !important;}.modal-open .modal{overflow:hidden;}