Pulte Mortgage/Centex--any bad experiences?

[BrandedFab]

*you've

[BrandedFab]

How long did the process of trying to get approved in 2011? They said I would have 60 days after paying the money and going into contract to try to get approved.

[fishbjc]

I thought Pulte was super easy to work with!  I even had a bounced ck and they pooh poohed it away.  Got the loan approved very quickly.  $5k in earnest money.   However, they did sell the loan off to Chase in about 6 months. 

[Anonymous]

I just closed on a Centex home in the Houston area in January, but didn't use Pulte mortgage. The sales rep at our development reccomended another mortgage broker who got us qualified!  I love our house and have no complaints!

[BrandedFab]

That's great! Can you pm the broker that you used?

[Anonymous]

We are building a house with Pulte also and our loan is suspended at the moment until we have 3 years from the deed in lieu I had 3 years ago. We want to change lender since LO  at Pulte Mortgage are incompetent and they push high rates. Our LO was terrible and we just received an email from him that he is changing positions in company and another LO was assigned to us. 

[Anonymous]

Any of you got your own home inspector. Is is worth it?  

[kimmiller112]

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@Anonymous wrote:

Any of you got your own home inspector. Is is worth it?  

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I am going with another national company, DR Horton.  Even though they will have a home inspection prior to closing, I am going to pay for my own as well.  I think every national builder has complaints, which is probably because the work is subcontracted.  I would rather pay out of pocket for someone to notice something small that is wrong than to have it turn into a bigger problem later on.  I will walk away from the house if any issues aren't fixed prior to closing.  I am not anticipating any problems, but better to be safe than sorry.

[Sunshine85]

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@kimmiller112 wrote:

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@Anonymous wrote:

Any of you got your own home inspector. Is is worth it?  

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I am going with another national company, DR Horton.  Even though they will have a home inspection prior to closing, I am going to pay for my own as well.  I think every national builder has complaints, which is probably because the work is subcontracted.  I would rather pay out of pocket for someone to notice something small that is wrong than to have it turn into a bigger problem later on.  I will walk away from the house if any issues aren't fixed prior to closing.  I am not anticipating any problems, but better to be safe than sorry.

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+1

I'm building with another company as well, albeit a smaller, custom builder, but I will also have a home inspection prior to closing. My realtor advised it wasn't needed, as he just built a home a few years ago and was told by his go-to inspector that an inspection isn't necessary on a new build. I don't assume that because the home is new that everything will be done correctly. Houses go up so fast, and I've seen first hand how shoddy new construction can be. 

Plus, I watch "Holmes on Homes" and Mike's advice is to always get an inspection, even with new builds.