Mortgage Escrow Accounts & Should You Avoid Stucco Homes?

In this segment, I received a couple of questions from listeners asking, "We are not familiar with mortgage escrow accounts. Does the lender always set these up when financing a home? How is it calculated?" and, "It seems like a lot of the homes we are looking at in the Atlanta area are made of stucco. What exactly is stucco and is it a bad thing?"