Counties served:montgomery, frederick, prince georges, howard, carroll, washington, baltimore, and baltimore city. I have my tpl. I was a realtor for 17 years. I am very familiar with the documents that appear in a settlement package. I can explain what the documents are and what they mean to the borrowers without speaking to the terms and conditions of the loan, that was negotiated between the loan officer and the borrowers. This seems to put the borrowers at ease and helps the signing process go more efficiently for both parties. I am also very familiar with reverse mortgages.