I am somewhat new to investing, although for the past while I have consumed almost every product to further my education. 

It's a long and time consuming waiting game to maybe get something. 

I would be interested to see how far up the chain of appeals that actually made it, as my mode of attack as a Consumer Protection attorney would be to move for summary judgment since the company isn't appearing by appropriate agent for court process. 

(b)Escrow accounts—(1)Requirement to escrow for property taxes and insurance.Except as provided in paragraph (b)(2) of this section, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.

Most fraud scenarios, believe it or not, are not instigated by the consumer. 

@Jan Wanot if you are talking about Iron Bridge out of Portland, I can vouch for them.

She also has nearly 200k in consumer debt that has been in the making since my birth.

My honest advice would be to do one with your own money/loan to iron out any kinks in your process.

Since the garage door is THE most prominent feature on the front elevation, check out this style, that would perfectly match the windows:http://www.clopaydoor.com/avanteWith a similarly architecturally appropriate front door, and proper column in place of the wrought iron, without building ANYthing like a portico, you'll completely transform the front elevation, and bring the house right into this century.

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