After agreeing to purchase a Pulte home in Anthem at Merrill Ranch in Florence, AZ the nightmare with Pulte Mortgage started. We started the application process on-line on January 14th and finally received a ‘no’ to our loan on April 21st! In the interim, Pulte Mortgage had locked our rate and scheduled the closing for April 26th. They made requests for more information periodically, which was always supplied within 24 hours. The service could best be describe as the kind you would expect at the Post Office or the Department of Motor Vehicles. We never had the opportunity to speak to ANY decision maker during the process, although requests were made on numerous occasions. If you purchase a Pulte home, take the 1% credit they offer for closing costs and go get a mortgage elsewhere! The credit they offer for going through Pulte Mortgage is definitely not a bargain. All in all, the experience was a nightmare.