Dossier summary

Legacy South Sales Pressure Allegations

A focused page on the complaint's sales-pressure narrative and the records needed to test it.

This page summarizes public records, third-party reporting, and disputed complaint materials. It does not state that unresolved allegations are true or that any person or entity violated the law unless a cited regulator or court record says so.

Professional record context

People named in the record

Public professional identifiers are provided for source review. Personal contact details are intentionally omitted.

Public professional profile

Vicki Smith

Role
New Home Sales Consultant
Organization
PulteGroup
License number:
Not established by current cited sources.

Pulte Homes Tennessee is listed in a separate public listing record as professional context only.

Vicki Smith's LinkedIn profile
Public sources

Public professional profile

Mackenzie Curtis

Role
Divisional Builder Manager
Organization
Acrisure Mortgage
NMLS ID
NMLS ID #471956

The submitted complaint identifies Mackenzie Curtis as a Mutual of Omaha Mortgage Regional Vice President, Builder Division, in August 2025. Her current official profile lists Acrisure Mortgage, so this site does not imply an ongoing Mutual affiliation.

Mackenzie Curtis's current official profile
Public sources

Public company context

Mutual of Omaha Mortgage

Public professional profile

Tony Fragale

Branch Manager, Vice President of Mortgage Lending

NMLS ID #76480

The cited official profile establishes public professional context only; it does not identify a connection to the Dupont complaint.

Official public profile

Allegation stated in the complaint

The complaint alleges that Legacy South sales-side communications placed pressure on the borrower to close and warned that earnest-money deposits were at risk.

The rebuttal argues that this pressure affected whether the borrower could realistically reject the DSCR product and seek another financing path.

Why timing matters

Closing pressure can affect consent even when a borrower sends a message indicating readiness to proceed.

The dispute is whether that readiness reflected informed choice or a constrained decision made under deposit and deadline risk.

Records needed

All sales-side communications about earnest money and closing deadlines.

Purchase contract provisions governing deposit forfeiture.

Any builder or title messages copied to lender-side personnel.

A timeline comparing financing disclosures with contract deadlines.

Related resources

Consumer Financial Protection Bureau complaint portalRegulator portal

NMLS Consumer AccessLicensing lookup

CFPB Regulation Z, 12 CFR Part 1026Federal regulation

Sources

Homes.com / Realtracs record: 700 N Dupont Ave Unit 303Real estate listing record

This page distinguishes public records, disputed allegations, company statements, and editorial context. It is not legal advice and does not determine liability.