They're given on a project by project basis and the process is extremely competitive.

I do understand there are many reasons why they go to the extreme (both self serving and otherwise), but does anyone have good experience in finding a lawyer who is on your side and tries to acquire the property, instead of getting it redeemed?

Even though this is an extreme overestimate, I understand that work may go over budget.

Extremely unique house shaped like a lighthouse located two minutes walking to the beach and about seven to the train to Boston/Airport.

So, I am extremely familiar with these boutique offices that you refer to. 

I would be extremely grateful for any and all recommendations or ideas.Kind regards,Sara Johnson

I find this extremely helpful when explaining "why" someone might be getting a different rate than one of their buddies.

Due to the extremely small lot size (.3acre) and a small stream running through the backyard - the state approved a special 4 bedroom septic system design by a professional (after months of working with the state and with 12 state rules broken), but was denied approval for a multi family/duplex septic system design (after months are trying).

As an extreme example Houston got 3 "500 year" storms in 3 years.

.- Take extremely good care of your credit, and start building it now.