Are there any loan programs that do not require the borrower have an escrow account?

Yes you can waive the requirement for impound/escrow account. Take a look at our programs and rates at www.valleyviewhomeloans.com or give me a call. I am licensed CA loan officer.

Conventional loans are available that do not require escrow for taxes and insurance.

Yes, there are many. As long as the loan-to-value ratio of your home is equal to, or less than, 90%; some lenders will allow the loan to be done without an escrow account. I just completed a $534,000 refinance for clients whose home's FMV was $595,000, so its LTV was 89.7%, and they were not required to set up an escrow account. However, if your home's LTV is greater than 90%, that won't be the case. Are you looking to purchase or refinance? Give me a call 16/7, or email me your phone number so I can call you, and I'll be happy to discuss this aspect of your loan with you at no obligation on your part. To learn more about me and our mortgage brokerage, click on my picture. When the next page pops up, click on "Website" and you will be redirected to ours. We work exclusively in CA and get loans done fast, typically in less than 30 days, at low interest rates and costs. Representing 46 quality lenders that offer more than 1,000 loan programs, we definitely have something for everybody.

Conventional loans back by Fannie Mae and Freddie Mac allow you to handle your own escrows IF and ONLY if you have at least a 20% down payment or more. You may also find some other non Fannie or non Freddie conventional loans that don't require it with as little as 10% down. www.MortgagesUnlimited.biz