Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PulteGroup, Inc. (TX)

On XXXX/XXXX/2014, we approached Pulte XXXX " XXXX XXXX '' addition ( # XXXX XXXX and met with Sales Associate, XXXX XXXX. We signed a construction contract ( XXXX ) with a Closing Date of XXXX/XXXX/2015, and provided Earnest Money check ( # XXXX XXXX in the amount of {$1000.00}. We were " Required '' to apply with Pulte Mortgage XXXX XXXX NMLS # XXXX ) with XXXX XXXX XXXX NMLS # XXXX ). The application and supporting documents were provided. On XXXX/XXXX/2015, XXXX XXXX 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 ( XXXX ) for an additional {$1000.00}. I contacted my bank and put a stop payment on the original check ( XXXX ) incurring a fee of {$32.00}. On XXXX/XXXX/2015, I was notified that the contract was approved and accepted. On XXXX/XXXX/2015, a " Change Order '' Amendment was completed for additional upgrades. The addendum provided " Tied Incentives to PMXXXX '' up to {$2500.00} toward upgrades or closing cost and " Untied Incentives '' of {$5000.00} for XXXX & Closing Cost. On XXXX/XXXX/2015, I was notified by XXXX XXXX that Pulte Mortgage XXXX could not approve our loan. I contacted XXXX XXXX XXXX NMLS # XXXX ) with XXXX XXXX XXXX ( NMLS # XXXX ) and preceded with loan approval. The loan was approved and XXXX XXXX requested title company information from XXXX XXXX, whom refused to provide and informed me that I needed to come into the office. Again, XXXX XXXX demanded I sign the form, but he also informed me that the file was sent to a company called XXXX XXXX XXXX XXXX NMLS # XXXX ) through XXXX XXXX XXXX NMLS # XXXX ). XXXX XXXX had forwarded my credit package to them on XXXX/XXXX/2015. I received a " Conditional Approval '' dated XXXX/XXXX/2015 with a list of Additional Documents, which I promptly sent XXXX/XXXX/2015. ( Note : The application date listed on the XXXX application shows XXXX/XXXX/2015, four days before our inquiry date on the Approval Letter?? Also, the Approval letter is different from the XXXX XXXX, which the XXXX XXXX is the State of Texas required form. ) Each and every communication ( email, phone call, direct visit XXXX XXXX XXXX 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 XXXX/XXXX/2015 approached, my wife traveled from XXXX XXXX, in anticipation of closing. On XXXX/XXXX/2015, we were notified that : 1 XXXX The house was incomplete and 2 XXXX The loan was not approved. Emails are from XXXX XXXX of Pulte Mortgage was requesting documents for XXXX XXXX XXXX. XXXX has not requested documents. After missing the closing date, AND the property not completed, we sent a Certified Letter XXXX which was Receipt Accepted and signed for on XXXX/XXXX/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 XXXX Certified Letter was mailed XXXX/XXXX/2015, but was returned unclaimed. We are still receiving emails from XXXX XXXX and XXXX XXXX for additional documents as of XXXX/XXXX/2015. On XXXX/XXXX/2015, we received a letter dated XXXX/XXXX/2015 from Pulte Mortgage acknowledging cancellation. Calls for our refund of Earnest Money have been referred to a XXXX XXXX XXXX NMLS # XXXX XXXX. We contacted her and was informed our Earnest Money was Forfeited.