Pulte Mortgage Reviews

An absolutely horrible experience with customer no service coupled with high rates that can be beat by an independent broker. I agree with all the negative reviews I've seen. So frustrating I am inches away from walking away from their mortgage credits but I'm close to closing and I'll pay the mortgage off as soon as I get it. There is a reason why they give all those closing credits. RUN<RUN<RUN.

They will approve you with conditions, take your deposit and wait until you are last the time the you can get your Earnest money back to tell you that you are non approved. The company is so incompetent they will have you paying all types of things off on your credit, running up the origination costs/loan processing fees each communication with you. My origination fees skyrocketed from $1200 to $12,000 in one month. Taking all of the money they supposedly promised as incentives, only for them to deny me. I wasted over a year of my life trusting them, doing everything they told me. I just knew I would have a home, now I have lost the home I was renting because my closing date was the last day in my rental. Further, they took my $10,000 earnest deposit. DO NOT let them trick you into going with their mortgage company. You will end up losing your down payment money, current home, and sanity.

I am currently in the process of buying a home through Pulte mortgage. I must say that I wholeheartedly regret entering business with this company. The entire process has been as complicated as possible with very vague requests. I currently hold a security clearance that did not require this much paperwork every week there seems to be new and invasive request with Little to no wiggle room or explanation of what they need. I was originally set to use Vets United however in order to claim the incentives through the builder, I trusted my agent and opted Pulte.

I am working with Pulte because they offer $15K toward closing costs. I have outstanding credit and a large portfolio in a trust that I set up. (I'm retired with no pension -- this is my life savings.) I am requesting a $100K mortgage on a house worth $700K. Their underwriters consistently request additional information. They are now requesting a letter from either the lawyer who set up the trust, or my financial institution stating that I have a fixed monthly income of $x from the trust, and that it used to be a fixed monthly income of $y from the trust.

Truly wish there was a 0 star option because 1 star is too good for them. This was the absolute worst and most traumatic experience of my life. After being pre-approved through multiple other mortgage advisors, we ended up finding a Pulte home that we loved. We decided to do the loan process through Pulte instead of the other lenders that we were already approved with because we assumed it would make the buying process smoother and easier if it was all done through the same company. We were 100% wrong. Pulte pre-approved us and then quickly approved us with a couple easy conditions within maybe a week of applying.

While it started with a very positive note with Pulte mortgage, it quickly took a big U turn because of their last minute requests and stressful mortgage application process and closing. The underwriters are pretty much incompetent and always comeback with fresh set of document requests after each review. This has been so frustrating and would never recommend Pulte to anyone. I put 20% as down payment but on the day of closing the underwriter asked us more documentation which is crazy, if the loan is in still underwriting why take my money. Oh the seller credit is a big scam, after going through this stressful process I think they should offer it as complimentary.

I will not recommend Pulte Mortgage to my worst enemy. My son applied for a loan around May and he was given a runaround for almost two months by Clay **. Clay kept asking for more unnecessary documents. He actually called my son's place of work to verify he worked there after demanding for the most unthinkable documents and at times requesting for unreasonable explanations to some things that sound out of this world. After about 6 weeks of back and forth, almost the day my son was expected to close, he said my son did not qualify on his own. At this point I had to apply as a co-signer. Lo and behold, Clay did a serious scrutiny of my pay stub line by line asking me to explain what SB (Stand By) means and why I earned more SB in the previous year etc. I find this ridiculous and unbelievable.

This has been the worst experience I have ever had. I have not closed yet but will echo all the same issues about Pulte Mortgage that everyone else has said. Their communication is awful, they do not tell you what they need until last minute and are very unresponsive. It feels like this is all on purpose to sabotage the closing. They are asking for more paperwork and letters than I have ever seen before, it's ridiculous. And the "closing credit" is a scam. They say using them gives you a credit, when they put that towards "seller paid". If it's seller paid, why am I paying for it?! DO NOT USE THEM.

My experience with the loan agent, John H was extremely disappointing. Communication was a constant challenge, with John often difficult to reach and consistently rushed. A significant error on his part caused substantial delays early in the process. This ultimately led to my husband and I getting our final clear to close 4 hours prior to signing and getting our keys. There was a clear lack of attention to detail, evident even the day before closing when he asked about information I had already provided multiple times. Most disheartening was the complete absence of empathy and regard for ones time. The loan agent was not the only one who made errors in this process, The underwriter also requested incorrect information, furthering the delay in final approval. This entire process was stressful and caused unnecessary complications, unlike my previous home-buying experiences.

**Pulte Mortgage is a Complete Disaster – RUN!** Working with Pulte Mortgage was one of the most infuriating, stressful, and disorganized experiences I've ever had. It was an absolute **nightmare** from day one. I submitted every document they asked for, on time, over and over again — and they still kept coming back weeks later asking for the *exact same paperwork*. What are they even doing over there? It felt like they had no idea what they were doing — or worse, didn’t care.