2010年 Dodd Frank financial crisis bailout regulation 之前，隻有付不起20% downpayment 的房貸必須在借款銀行建立一個escrow account,
2010後，管理嚴格了，一般都得有。
The CFPB is issuing a final rule that amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. Regulation Z currently requires creditors to establish escrow accounts for higher-priced mortgage loans secured by a first lien on a principal dwelling.
川普上台後，不喜歡這個Dodd Frank regulation, 去年一句話還把有爭議的CFPB 取消了！嗬嗬，現在是 Deregulation, pro business environment
所以，現在估計銀行有自主權可以根據客戶具體情況，比如付了多少downpayment, 你的 loan to value ratio, 決定是否必須有escrow account, 還是你自己付地稅，這樣那筆錢的利息就你自己賺了，而不是銀行賺
去商量吧，覺得希望挺大，你要跟他們擺事實講道理 ～～
