Consumer complaint received 2021-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PulteGroup, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I signed a sales contract with XXXX, my XXXX children and I were excited to move into our " new home '' event though it would take close to a year for the house to be available. I as a first time home buyer went with PULTE Mortgage because it is a preferred lender and they offered to cover closing cost. Everything was going well up until on XX/XX/XXXX ; I had an unforeseen medical emergency and ended at the hospital. I was admitted and stayed for four days, I suffered a complicated XXXX and along had a XXXX XXXX. Due to this event I had to take a short term medical leave from work, my recovery has not been easy physically or mentally. Once I was released from the hospital, I did make the preferred lender ( PULTE MORTGATE ) aware of my tragic event. They also requested Pay Stubs on XX/XX/XXXX, I sent the requested information. My pay stubs clearly state XXXX PAY, I never nor did I intend to hide my loss from anyone even though it is hard to speak about. My closing dates were iffy it went from XXXX telling me we would close in XXXX, and from XXXX builder mentioned that it looked like it might move to XXXX to them somehow the closing was scheduled to XXXX. Unfortunately, I had applied for the XXXX XXXX XXXX XXXX back over 6 weeks ago and they are yet to provide me with any actual information whether I am approved or not. I mentioned to the lender that I will be putting my funds as the down payment. My loan had to be restructured XX/XX/XXXX with closing being on XX/XX/XXXX. Along this happening my realtor spoke with XXXX and he threatened and said if I didn't close on the scheduled time that he would turn around and sell the property for over {$290000.00} ( I was going to pay {$250000.00} ) They asked for paystubs and I mentioned they would be my paystubs for my short term leave. From there it all went down hill. The lender called the sales person XXXX, who cares only about his commission. I was told that I would not be able to close because I am currently on XXXX XXXX XXXXXXXX leave and that they would keep my earnest money and any other monies paid up front. I had a XXXX XXXX along with so many other emotions hard to contain. I am in the process of bettering my health and on top of that I have to deal with people like the sale agent. I also called Pulte Mortgage and spoke with a manager, he said there's no problem with lending, but closing would need to be pushed to XXXX since my return to work is XX/XX/XXXX. My first mortgage payment would be due in XXXX and by that time I would already be at work. He called sales I am not sure if he spoke with XXXX or anyone in a higher position, I am also not aware of what was said. XXXX 's boss pushed me into canceling my contract and said he would refund me my earnest money said that it was my best way of recovering. 
However in my sales contract on page 5 under section 8.8 their a clause that states if Buyer is unable to close I would AGREE to pay the seller {$250.00} times the number of days delayed. This was something that should have been offered. 
INSTEAD NOW I AM OUT OF HOME AND NOWHERE TO GO WITH MY XXXX SMALL CHILDREN AND XXXX DOGS. I would have very well paid any fees associated with delaying my closing. Instead Pulte, is concerned ONLY about them and there closing and collecting a check. If this was something that would have been mentioned to me well over two months ago I would have made arrangements to make a way and returning to work or arranging something with PULTE. My family and I waited so long for this moment since signing this contract we missed so many opportunities because we were building with Pulte. I feel discriminated as an individual with a current XXXX  XXXX, as a XXXX women and mother of XXXX. 
XXXX XXXX  and Pulte homes are a dishonest company based on my experience with both builder, lender, and specially the seller XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation