Pulte Mortgage Review: Pros, Cons, Rates, What to Expect

Pulte Mortgage is a mortgage company that services many different states all across the U.S. In our article, we’re going to review several key factors that pertain to this company in an attempt to help offer a final recommendation for consumers. We’re also going to include several useful links for both new and existing applicants alike.

Pulte Mortgage – Details and Overview

Pulte Mortgage has been involved in the mortgage industry since 1972. Being one of the more experienced players in the mortgage market, they’ve established themselves as a brand that people can trust and they regularly handle a wide range of mortgage account types.

Currently, they are licensed and accept mortgage applications for 26 different states. You can find out if your state is one of them by quickly visiting their licensing page. This same page also displays the basic contact information options that are available for them as well.

Pulte Mortgage Loan Process Explained

Preparing for Your Mortgage Application

Before you start contacting Pulte Mortgage, there are a few things that you need to gather first. Pulte Mortgage requires that all applicants possess certain financial documents. The first document that you need to present is income documentation from the previous two months,

Common examples of documents that meet this requirement include paycheck stubs, invoices, as well as profit and loss statements. Another document that your loan officer will ask for is your checking and savings account statements. Generally, they will ask for two months for this as well.

The reason for this is that the loan officer wants to see how much money you have set aside for your potential down payment as well as estimate how much home you can realistically afford. Another document that is frequently requested is copies of your tax returns from the previous two years.

The reason for this is that the mortgage officer wants to make sure that your income is stable. In addition, many loan programs require that you have stable employment with the same employer for at least two years.

Once you have these documents ready, you can start your online application by clicking the gold “Register” button in the top right-hand corner of their website. Follow the simple instructions and a loan officer should be in contact with you within one business day.

Reviewing the Available Mortgage Types

At this stage, a loan officer with Pulte Mortgage should have contacted you. During your initial consultation, they will review the various mortgage types that they can currently offer you. Two very popular programs that they will likely go over with you include FHA and VA loans.

FHA loans are designed for first-time homebuyers and have a much smaller down payment requirement as well as more flexible credit terms. With VA loans, they have no down payment requirement and are reserved for qualifying military personnel and their family members.

Depending on the area you are interested in, you may also qualify for a USDA mortgage as well. Ultimately, your mortgage officer will be asking you a wide range of questions to help determine which mortgage best fits your unique needs.

Your loan officer will also check your credit to make sure that you pre-qualify for the loan program that is best suited for you. Once you have met the initial requirements for the loan program, you will be given a letter to take to your real estate agent. This letter will show the estimated amount that Pulte Mortgage is willing to lend and will help you set your base budget for home shopping.

The Official Offer

Once you have found a home that meets the preliminary requirements outlined by Pulte Mortgage, you are ready to make an official offer. An official offer seeks to take the home off the market while your loan application proceeds through the final stages.

If the seller accepts your tentative terms, they will agree to enter further talks with you and your financing provider. During this stage, an appraisal will be completed and possibly a home inspection report as well. Pulte Mortgage will be comparing the information from these reports to make sure that they meet the requirements of your given loan program.

In addition, your credit is going to be run again to make sure you still qualify for the loan program. This is why it is so important to make sure that you have maintained your financial stability during the homebuying process and that you avoid opening additional credit accounts. If everything checks out, your loan application will progress to the closing stage.

Closing and Managing Your Account

At this stage, you should have a set closing date and will be meeting with the seller or their representative to sign the required agreements. You will need to carefully review your loan documents to make sure your payment details match your expectations. Some of the information that you should always be sure to check out include your interest rate, payment date, and your loan term.

Once everything has been signed, you will receive your keys to your new home. In addition, you will also receive your first payment remittance slip. This will likely have your account number on it and can be used to set up your online account.

With Pulte Mortgage, customers can easily manage their payments online as well as view electronic copies of important disclosures. In addition, you can also request hard copies of various statements as well.

PROs and CONs of Pulte Mortgage


  • The online application is easy to initiate and understand.
  • Multiple loan programs are offered.
  • Several free resources available to prospective clients.
  • Their website is easy to navigate.


  • No clear rate information is available online
  • They only service approximately half of the United States

Pulte Mortgage Customer Service Review

For the most part, Pulte Mortgage customers seem to be satisfied with their experience. Pulte Mortgage offers its clients multiple ways to reach out to customer service representatives as well as management to address their questions and concerns.

Contact Information

  • Official Website: PulteMortgage.com.
  • Customer Service Telephone Number: 1-866-236-8165.
  • General Customer Service Feedback Email: CustomerComments@Pulte.com.

Drawing to a Close

Pulte Mortgage is an established mortgage company that offers a broad range of free tools to its clients. With a multitude of mortgage types to choose from, it’s an excellent option for many homebuyers.
If you have used Pulte Mortgage recently, feel free to tell us about your experience with them.

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