I've been doing Refinance closings (and other types of signings) for over 14 years now, I began in MD where I had to be a TIPIC, fully licensed. I moved to Alabama April, 2014 and now meet the State requirements. My husband is a retired Air Force veteran so I have full access to any Military base with my ID card. I've passed a BACKGROUND CHECK through NNA. I've performed numerous refinances, seller closing packets, reverse mortgages, buyer closing packets, etc., so I'm very familiar with all loan documents. I was also a licensed Realtor for over 26 years in MD, so I have thorough Code of Ethics training. I carry the $25,000 Surety Bond AL requirement. I carry $25,000 AL E & O Insurance. Cell Iphone and Tablet both have Genius Scan. I'm a Military Wife so I have full base access. I have a Garmin, rarely get lost.