Firm Bios
Listed below are bios of our key staff.
Ruth Ruhl- President
Ms. Ruhl is President of the Firm and is responsible for its
overall operation. Ms. Ruhl was born in Tyler, Texas on
August 24, 1962. Ms. Ruhl graduated from the University
of Texas at Austin in 1984 with a Bachelor of Business
Administration degree in Finance. Upon graduation, she
entered the mortgage banking industry as a loan officer.
In May 1993, she received her Juris Doctor degree, magna
cum laude, from Oklahoma City University School Of Law.
She is a member of Phi Delta Phi.
From 1993 to 1998, Ms. Ruhl was a partner at Barrett Burke
Wilson Castle Daffin & Frappier, L.L.P. where she
specialized in loan origination documentation, specialty
loan and loss mitigation documentation, and regulatory
compliance issues which arose therefrom. Ms. Ruhl was
a partner and a Director in the Specialty Loan Section
at Peirson & Patterson, L.L.P. from 1998 to 1999.
Ms. Ruhl was admitted to the State Bar of Texas in 1993, the
United States Court of Appeals for the Fifth Circuit in
1994, and the United States District Court for the Northern
District and the Eastern District in 1994.
Ms. Ruhl is a member of the State Bar of Texas, the College of the State Bar of Texas,
National Mortgage Bankers Association - 2010-2011 Chair of the Servicing Committee.
Not certified by the Texas Board of Legal Specialization.
John Ruhl - Controller
Mr. Ruhl is the Controller for the Firm and has twenty-five
years of banking and mortgage banking experience. He received
his Bachelor of Science degree from the College of the
Ozarks in Branson, Missouri in 1974. His twenty-five years
experience has included all facets of mortgage banking.
Mr. Ruhl has extensive experience that varies from regulatory
compliance and quality control underwriting to internal
audit. He was the Investor Quality Manager for NationsBanc
Mortgage Corporation and supervised FNMA and FHLMC Post
Purchase Audits, Quality Control Underwriting, and was
responsible for negotiating investor loan repurchase requests.
Accomplishments have included management of the NationsBanc
Mortgage Corporation-PMI Automated Underwriting System
Project and the establishment of Master File Audit Departments
for Countrywide Home Loans.
In 1998 and 1999, Mr. Ruhl served on the Board of Directors
for the Dallas Area Compliance Association. He has enhanced
his knowledge through completion of Mortgage Banking Association,
FNMA, and FHLMC seminars, courses and conferences. Mr.
Ruhl is a member of the National Mortgage Bankers Association
and the Texas Mortgage Bankers Association.
Miranda Lemons - Operations Manager
Ms. Lemons is the Firm's Operations Manager.
Ms. Lemons has been with the firm for seven years and she is
responsible for Texas document preparation, national loss
mitigation, specialty loans, and document compliance.
Ms. Lemons' outstanding personal commitment to customer
service and detail sets the stage for the Firm's impeccable
reputation in the industry. Ms. Lemons is responsible
for supervising employees to ensure that documents are
prepared accurately and delivered to the client within
the Firm's strict turn around timeframes. Ms. Lemons plays
an integral role with technology issues relating to documents
compliance.
Ms. Lemons has a Business Administration degree from Texas A&M University - Commerce.
Laura Whatley - Director of Client Relations
Ms. Whatley is the Firm's Director of Client Relations.
Ms. Whatley has five years of experience in customer service, marketing, and database administration.
In her role as Director of Client Relations, she is responsible for the Firm's marketing plan,
customer service policies and procedures, and developing new business opportunities.
Ms. Whatley is also responsible for maintaining existing client relationships, and attending seminars
sponsored by the National Mortgage Bankers Association and Texas Mortgage Bankers Association.
Ms. Whatley has performed many functions of the Firm and, as such, has a complete understanding of
the high level of customer service RUTH RUHL, P.C. demand it provides to its clients.
In 2003, Ms. Whatley received an Associates Degree in Applied Science from Temple College. In 2007,
Ms. Whatley received a Bachelors Degree in General Business Administration from Sam Houston State University.