Dossier summary

Non-QM Interest-Only Risk

Risk context for the product structure named in the complaint.

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

Product structure concern

The complaint describes the selected loans as non-QM, DSCR, interest-only products with higher long-term cost than alternatives the complainant believes should have been explored.

Interest-only periods can reduce initial principal payments but may increase long-term cost or refinancing dependence depending on the rate, term, and investor strategy.

Disputed suitability

Mutual states the product fit the borrower's investment-property profile. The rebuttal argues the product was not meaningfully compared against other available paths.

A suitability review depends on contemporaneous records, not later general claims about what products existed.

Records needed

Payment and amortization comparisons for DSCR versus conventional alternatives.

Rate sheets and lock confirmations.

Borrower communications explaining interest-only risks.

Documentation of why the selected structure was recommended.

Related resources

Consumer Financial Protection Bureau complaint portalRegulator portal

NMLS Consumer AccessLicensing lookup

CFPB Regulation Z, 12 CFR Part 1026Federal regulation

Sources

CFPB Regulation Z, 12 CFR Part 1026Federal regulation

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