Ruoff Mortgage Company, Inc Mortgage Complaint

Ruoff Mortgage Company, Inc Mortgage department,

FHA mortgage Application, originator, mortgage broker Indiana

Told clear to close would be signed off next morning, closing Friday -/-/-, closing set, then loan denied abruptly. No further communication. We received a pre-approval in -/-/- by company system, turned in all documentation to them. As with every mortgage process knew additional documentation would be required. It was a tough journey, ( we were asked for additional items by underwriter such as son 's marriage certificate, copy of wedding invitation, my college transcripts and additional - for reserve funds to be wired to title company, and were treated as though we were criminals and lying about original documentation turned in. They finally said they received all they needed and took many days/weeks to go over everything with a fine tooth comb as expected for circumstances involved. After much stress and financial burden as we were not able to touch our checking account due to funds always being verified for closing, finally told on -/-/- by upper management not to worry, loan would get closed by end of week. Scheduled day off from work. On -/-/- called and told the loan was being manually approved and signed off on and we would be closing the next day. Confirmed again


this by Ruoff Home Mortgage. Obviously, - was at fault or why would they fire the loan officer who was the only person of integrity over there and tell him not to have further contact. After calls to several upper management and President of company, none of which were returned, finally reached Manager of branch who rudely and abruptly informed me loan was dead. No contact since. On website that they told us to follow closely our loan showed clear to close. Checked again -/-/- and loan still showed Initial Underwriting Approval. Still no contact from anyone at Ruoff. On Monday following week received call with completely different explanation why loan did n't close due to us having moved into property per seller agreement due to our home being rented. This was an extremely stressful rollercoaster situation for ourselves and children, we lost money from ending our lease early, as well as having to account for everything that went in and out of our checking account, obtaining insurance, etc. We have supporting website documentation as well as an email forwarded to us.