I attempted to use this company after Pulte offered incentives. It was a nightmare from the start.
First of all, it's a conflict of interest. You are at a disadvantage for using them.
Also, do NOT give them $400-500 for an application fee. Other lenders told me that I should never pay that to anyone. When I called Pulte Mortgage out for it and refused to pay it, they waived it, telling me in a phone call (as opposed to in writing), that it later goes toward the appraisal fee (note, most other lenders pay this too).
Second, they will play games. Six weeks of back and forth paperwork... They always need something, and your pile is never quite good enough to get it to underwriting. It takes a week for them to review what you've sent. They'll contact you at the very end of the next week to tell you that it wasn't good enough (my bank only prints statements with the last 4 digits of the account number. Despite my name, bank contact info, and partial account number, my statements aren't good enough). Then, it's a repeat... Another week to review, end of the very next week to find a problem. No other mortgage company has given me so much difficulty.
Note that by the time you'll finally get to underwriting, Pulte will have already collected your $10K non-refundable earnest money. So, they'll drag their feet at approving/denying you until after Pulte is guaranteed to profit. Shady.
The people are also very rude. They'll make you feel as though you are working for them and they are doing you a favor. They have made my home buying process so miserable at this point that I'm done with them. I'm willing to pay more to use one of the other lenders that I spoke to.
Despite Pulte Mortgage supposedly being a separate entity, it's put a really bad taste in my mouth for Pulte Homes. I feel like I'm on guard and distrustful of them now.
Review about: Pulte Mortgage Mortgage.
Reason of review: Poor customer service.
Monetary Loss: $10000.
I didn't like: Misrepresented sales and closing tactics, Total experience with incompetent employees, Entire process, Unethical.