Alisa is buying her first home through Ruoff Home Mortgage and was scheduled to close tomorrow. Earlier this week, Alisa made a boo-boo. Not an intentional boo-boo. Not even a really big boo-boo. Never-the-less, it was a boo-boo and it broke some of the rules that need followed for mortgage lending these days.
Now, I’ve been a loan officer for over a decade. I’ve worked at a few places. I’ve talked to a ton of other mortgage lenders. I know this boo-boo and I know what it typically does to the home loan process. It typically stops everything dead it its tracks and – best case – gets the closing delayed by a week or more. Sellers get mad. Realtors breathe fire. Underwriters pull their hair out. Loan officers have to up their blood pressure meds. You get the picture.
So, Alisa made a boo-boo and told me about it yesterday afternoon. Did I mention she was scheduled to close tomorrow? Yep, she was scheduled to close tomorrow until the brakes got hit with the “Oh, crap!” aforementioned mortgage rule breaking boo-boo.
So, why do I love Ruoff Home Mortgage, you ask? This is why: When the boo-boo hit our radar, Ruoff Home Mortgage fixed it. Fast. We told Alisa what we needed from her and she got it to us this morning at 9:30. It was to the mortgage underwriter by 10:00. The underwriter reviewed it immediately and approved the file by 12:00. The auditor reviewed it by 1:00 and YES, at 2:00 tomorrow Alisa will be signing the paperwork to own her very first home.
Alisa not only WAS closing on her mortgage tomorrow, Alisa IS closing on her mortgage tomorrow. All because the Ruoff team gets it! They understand that these are people’s lives we’re dealing with. They will do whatever they possibly can to make things work for our customers.
So, that is why I love Ruoff Home Mortgage. If you work with us, I bet you’ll love us too.
Lori Hiscock is a Sr. Loan Officer at Ruoff Home Mortgage‘s South Bend office. Lori started her lending career in 1995 after obtaining her bachelor’s degree in Finance from Western Michigan University. Lori has become one of the top mortgage lenders in Michiana. You can connect with Lori Hiscock or apply online here.