Pulte Mortgage Mortgage Complaint

Pulte Mortgage Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

On -/-/2014, we approached Pulte - - - '' addition ( # - - and met with Sales Associate, - -. We signed a construction contract ( - ) with a Closing Date of -/-/2015, and provided Earnest Money check ( # - - in the amount of $1000.00. We were Required '' to apply with Pulte Mortgage - - NMLS # - ) with - - - NMLS # - ). The application and supporting documents were provided. On -/-/2015, - - contacted me stating that the original Earnest Money Deposit was lost, and a replacement was required. I replace the lost check with a new Earnest Money check ( - ) for an additional $1000.00. I contacted my bank and put a stop payment on the original check ( - ) incurring a fee of $32.00. On -/-/2015, I was notified that the contract was approved and accepted. On


Change Order '' Amendment was completed for additional upgrades. The addendum provided Tied Incentives to PM- '' up to $2500.00 toward upgrades or closing cost and Untied Incentives '' of $5000.00 for - & Closing Cost. On -/-/2015, I was notified by - - that Pulte Mortgage - could not approve our loan. I contacted - - - NMLS # - ) with - - - ( NMLS # - ) and preceded with loan approval. The loan was approved and - - requested title company information from - -, whom refused to provide and informed me that I needed to come into the office. Again, - - demanded I sign the form, but he also informed me that the file was sent to a company called - - - - NMLS # - ) through - - - NMLS # - ). - - had forwarded my credit package to them on -/-/2015. I received a Conditional Approval '' dated -/-/2015 with a list of Additional Documents, which I promptly sent -/-/2015. ( Note : The application date listed on the - application shows -/-/2015, four days before our inquiry date on the Approval Letter?? Also, the Approval letter is different from the - -, which the - - is the State of Texas required form. ) Each and every communication ( email, phone call, direct visit - - - demanded that we sign a document that would forfeit our Earnest Money. We refused each time, requesting that he provide the promised Approval Letter '' not Conditional Loan Approval Letter '' which asked for credit and asset documents. As -/-/2015 approached, my wife traveled from - -, in anticipation of closing. On -/-/2015, we were notified that : 1 - The house was incomplete and 2 - The loan was not approved. Emails are from - - of Pulte Mortgage was requesting documents for - - -. - has not requested documents. After missing the closing date, AND the property not completed, we sent a Certified Letter - which was Receipt Accepted and signed for on -/-/2015, cancelling the contract for non-delivery, the expired contract and loan not approved with Pulte 's Required Lenders, also demanding the return of our Earnest Money. A - Certified Letter was mailed -/-/2015, but was returned unclaimed. We are still receiving emails from - - and - - for additional documents as of -/-/2015. On -/-/2015, we received a letter dated -/-/2015 from Pulte Mortgage acknowledging cancellation. Calls for our refund of Earnest Money have been referred to a - - - NMLS # - -. We contacted her and was informed our Earnest Money was Forfeited.