Initial Business Response /* (1000, 5, 2017/01/17) */
Contact Name and Title: [redacted], SVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@ruoff.com
Ruoff Home Mortgage Senior Loan Officer Alisa Morehouse began working with Ms. Pulous in November 2016. At that time there was a need to work...
on improving the customer's credit before she could be in a position to purchase a home. Due to this, Ruoff Home Mortgage was not able to issue any kind of pre-qualification or pre-approval letter.
In mid-December Morehouse finished the work on the credit rescore with the credit bureaus and Pulous' score had gone up dramatically. Unfortunately, due to the complex nature of mortgage underwriting guidelines, the higher credit score alone was not able to carry Pulous through to a credit approval. Ruoff Home Mortgage was still unable to provide financing and began to examine other options in further attempts to provide Pulous with a loan approval. However, Ruoff was never able to succeed in being able to offer a financing solution.
During that December period Pulous connected with her chosen Realtor [redacted] and executed a purchase contract on a property. This was done without a pre-qualification letter or pre-approval from Ruoff Home Mortgage.
When Ruoff notified Harrington that we were not able to provide financing Harrington approached Pulous to sign a mutual release terminating the purchase contract. Ruoff Home Mortgage was not involved in that interaction.
Alisa Morehouse did contact [redacted] today and was told that Pulous' [redacted] earnest money was to be returned if the mutual release of contract was signed, but that Harrington has been unable to connect with Pulous despite several attempts.
Initial Business Response /* (1000, 8, 2016/04/13) */
[redacted]Document Attached[redacted]
Ruoff Home Mortgage mailed correspondence to Mr. [redacted] on 2/24/16. A copy of this mailing is attached.
A monthly statement with a payment coupon was also mailed to Mr. [redacted] on 3/18/16. This statement is also...
attached.
Ruoff Home Mortgage made a call out to Mr. [redacted] this morning and left a voicemail requesting that he contact us so that we can help him to get access to these documents. We also offered to provide Mr. [redacted] with details on registering his account online at www.ruoff.com so that he will be able to access his loan information at any time.
Initial Business Response /* (1000, 5, 2017/01/17) */
Contact Name and Title: [redacted], SVP
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@ruoff.com
Ruoff Home Mortgage Senior Loan Officer Alisa Morehouse began working with Ms. Pulous in November 2016. At that time there was a need to work...
on improving the customer's credit before she could be in a position to purchase a home. Due to this, Ruoff Home Mortgage was not able to issue any kind of pre-qualification or pre-approval letter.
In mid-December Morehouse finished the work on the credit rescore with the credit bureaus and Pulous' score had gone up dramatically. Unfortunately, due to the complex nature of mortgage underwriting guidelines, the higher credit score alone was not able to carry Pulous through to a credit approval. Ruoff Home Mortgage was still unable to provide financing and began to examine other options in further attempts to provide Pulous with a loan approval. However, Ruoff was never able to succeed in being able to offer a financing solution.
During that December period Pulous connected with her chosen Realtor [redacted] and executed a purchase contract on a property. This was done without a pre-qualification letter or pre-approval from Ruoff Home Mortgage.
When Ruoff notified Harrington that we were not able to provide financing Harrington approached Pulous to sign a mutual release terminating the purchase contract. Ruoff Home Mortgage was not involved in that interaction.
Alisa Morehouse did contact [redacted] today and was told that Pulous' [redacted] earnest money was to be returned if the mutual release of contract was signed, but that Harrington has been unable to connect with Pulous despite several attempts.
Initial Business Response /* (1000, 8, 2016/04/13) */
[redacted]Document Attached[redacted]
Ruoff Home Mortgage mailed correspondence to Mr. [redacted] on 2/24/16. A copy of this mailing is attached.
A monthly statement with a payment coupon was also mailed to Mr. [redacted] on 3/18/16. This statement is also...
attached.
Ruoff Home Mortgage made a call out to Mr. [redacted] this morning and left a voicemail requesting that he contact us so that we can help him to get access to these documents. We also offered to provide Mr. [redacted] with details on registering his account online at www.ruoff.com so that he will be able to access his loan information at any time.