Wishing you and yours a wonderful Christmas! Customer Apply online with candrew@ruoff.com NRUOFF customer satisfaction Satisfaction Rating HOME MORTGAGE NMLS: 141868 Cyndi Andrew Senior Loan Officer, NMLS: 202626 260.466.5757 NMLS: 141868 candrew@ruoff.com www.ruoff.com/cyndiandrew Thisisnot an offer for extension of credit or a commitment to lend All loans must satisly company underwriting guidelines. Information and pricing are subject to change at any time and without notice. Equal Housing Lender. January 2019. Page 31