I think you’re on the right track. The government regulation distorts business activity. In order to continue to function with irrational laws, business must sometimes do nefarious things that it never would normally have to do in a purely Capitalist society. The problem is when business gets caught working around the laws and then the government says “see? that proves we need to regulate MORE.” Criminals are made through this kind of legislation. The more corrupt the government, the more corrupt the business dealings necessarily become. Look at the former USSR… the people there are so used to dealing with an oppressive and corrupt government that they have become like hardened criminals. They become opportunistic, looking for any chance to take unfair advantage of another party they are trading with, because they were conditioned this way through a lifetime of Communism.
As America falls further and further down the Rabbit Hole, we will see the business world increasingly in bed with government, so that it can secure its survival. It’s the old “if you can’t beat ‘em, join ‘em” routine. In short, corruption of economics by government breeds corruption by business. In short, that’s what happened in the mortgage market.

I finally started thinking like you do about two years ago when I was let go from my mortgage job. I started searching for reasons why the housing market crashed. The conclusion I came up with was the Government – Federal Reserve – did it. From there I ended up learning why our government does nothing but destroy wealth, family, etc. I kind of became a Ron Paul supporter because he is a free market kind of guy and now I know why.

You took it to another level. Agreed.

I get a kick out of how many cities around the country are going bankrupt because of the record amounts of foreclosures. Maybe if they did not do property taxes in the first place and privatize everything the country would be in a better place financially right now.

The right to life is the source of all rights—and the right to property is their only implementation. Without property rights, no other rights are possible. Since man has to sustain his life by his own effort, the man who has no right to the product of his effort has no means to sustain his life. The man who produces while others dispose of his product, is a slave.
Bear in mind that the right to property is a right to action, like all the others: it is not the right to an object, but to the action and the consequences of producing or earning that object. It is not a guarantee that a man will earn any property, but only a guarantee that he will own it if he earns it. It is the right to gain, to keep, to use and to dispose of material values.
["Man's Rights," The Virtue of Selfishness]
It is only on the basis of property rights that the sphere and application of individual rights can be defined in any given social situation. Without property rights, there is no way to solve or to avoid a hopeless chaos of clashing views, interests, demands, desires, and whims.
["The Cashing-In: The Student 'Rebellion,'" Capitalism: The Unknown Ideal]
The source of property rights is the law of causality. All property and all forms of wealth are produced by man’s mind and labor. As you cannot have effects without causes, so you cannot have wealth without its source: without intelligence. You cannot force intelligence to work: those who’re able to think, will not work under compulsion; those who will, won’t produce much more than the price of the whip needed to keep them enslaved.
["This Is John Galt Speaking," Atlas Shrugged]

The above statements form the foundation of a free nation. Without property rights, there IS no freedom.
The property tax is partly based on stale, Marxist class-envy politics. Karl Marx and Friedrich Engels were so eager to destroy the successful upper and middle-class “bourgeoisie.” Ever since the passage of the 16th Amendment, which granted the federal government the power to directly confiscate our income — our property — we can own nothing to which the government cannot also lay claim, at least in part. If there is a valid argument justifying taxes levied on voluntary transactions, there is absolutely no justification for a tax that is nothing less than State-sponsored theft. Though I would be incarcerated — and rightly so — for walking next door and taking money out of my neighbor’s wallet without his permission, the government makes this very act routine.
The property tax is immoral and oppressive and deprives citizens of their necessities of warmth and shelter.
It is with these facts that I propose that no law enforcement agent take part in the aiding and abetting of theft of homes from people who owe no voluntary mortgage, but who may be unable, due to the expanding greed of local government, to pay the extortionist and confiscatory taxes. No moral law enforcement officer should obey an order to remove an otherwise moral and law-abiding family from their rightfully owned home for inability to pay property taxes. This should be a fundamental part of the Oath Keeper’s pledge. Property and security in one’s home is a FUNDAMENTAL American right.

The article is out dated but the point is still the same. Would you rather earn .0001% with your money in a savings account or escrow it with the bank and earn 0%? Something is better than nothing.

Can you find info on the federal regulation? I could not find it.

There is no such as a no closing cost loan. If the company is paying for you to relocate then they are assuming your costs. Hence, costs.

Just one person here. I am all for eliminating Social Security with holding or at least giving people the chance to remove themselves from the program. Did you know that social security is bankrupting the U.S future and is one of the biggest ponzi schemes of all time? I got a letter last year from the social security administration saying that they will be bankrupt by 2029. Why would I want to pay into that?
Interest is earned for the company, not you in a escrow account. I agree that it is for some but if you can budget you can earn more money by keeping it in savings accounts at least.