Was told that since I lived on a Private Lane a federal law required a “road maintenance agreement” to be on file for all parties that have access to the road.
After contacting a real estate lawyer; I discovered that this is not a federal law or any law for that matter. It is a “lenders” preference.
I was pretty disappointed that Dave Ramseys ELP program recommended these guys.
Shop around, go to another lender, maybe a place that is not national.