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Pulte Mortgage is a household name in the financing industry, and it’s known as one of the most affordable lenders in America. You can use the variety of payment options that Pulte mortgage offers to settle your loan. Pulte Mortgage offers a wide range of loan options to make the home-buying process more manageable. From low down payment options to no-cost mortgage rates or rates below the competition, there’s a variety of costs and benefits associated with each option. Let’s look at some Pulte mortgage payment options and how they work.
These 3 free online calculators can help you to find out how much your monthly payment on Pulte Mortgage will be:
- 15-Year Fixed Mortgage Calculator
- 30-Year Fixed Mortgage Calculator
- Variable Rate Mortgage Calculator
Create an Online Account to Make Your Pulte Mortgage Payment
Online banking is becoming more popular as companies seek to make their services more accessible to their clients. The company allows you to use their online platform to pay your Pulte mortgage, which proves convenient to individuals with busy schedules.
To create your online account, follow the steps given below:
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- Go to the Pulte Mortgage Customer Portal page.
- Select Register Now below the Login section
- Enter your Email Address.
- Enter and Re-enter your Password to confirm its accuracy. Ensure that it has an alphanumeric and a unique character.
- Insert your First and Last Name
- Enter your Phone Number
- Submit your ZIP Code
- Select Security Question 1
- Answer Security Question 1
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- Select Security Question 2
- Answer Security Question 2
- Click the Enroll button.
- Add your Account Information by entering your Loan Number and the last 4 digits of your SSN. (Your Loan Number is on your Pulte Mortgage Loan Statement)
- Select your preferred method of receiving your Bill Summary Notification.
- Go through the Payment Authorization Terms and check the agreement box.
- Click Add Account.
Log Into Your Account to Make Pulte Mortgage Payment
After creating your Pulte online mortgage account, you can conveniently submit your payments by logging into your account. Follow the guideline below to log into your account to submit your Pulte mortgage payment.
- Go to www.pultemortgage.com
- Select the Login button at the far right of the screen.
- Enter your E-mail Address followed by your Password.
- Click Log In
- Select the Pay Bills option on your account menu. Note that the amount given reflects your due payment, including all applicable fees.
- You can also set up a recurring payment by selecting AutoPay. Create your payment schedule, considering that all prices are due on the first day of each month.
Make One-Time Payment
You can also submit your Pulte mortgage payment using their one-time payment option. It is not necessary to have a registered online account.
- Enter your Loan Number followed by the last four digits of your Social Security Number.
- Enter and Re-enter your Email Address
- Click Continue
- Follow through the subsequent steps to complete your payment.
Other Pulte Mortgage Payment Options
Pulte Mortgage offers its customers other mortgage payment options, including:
Payment by Phone
You can issue your electronic check by calling Pulte mortgage at 1-833-343-4835.
Payment by Mail
You can also use the mailing services to submit your payments through the addresses below:
For Regular Mail
P.O. BOX 5224,
Denver, CO 80217-5224
Attention: Cashiering
Overnight Mail
7390 S. Iola Street Englewood, CO 80112.
Attention: Cashiering
Make your checks payable to Pulte Mortgage LLC and include your loan number before sending the bill.
Pulte Mortgage Payment Questions and Answers
When should I expect to receive my mortgage loan statement?
You will receive your statement after the 16th day of the month. On it, you will find an update of all the transactions on your account from the time you received your previous statement. It also includes your current balance with updated dates.
What step should I take if I cannot pay my loan on time?
When a customer believes they are about to fall behind on their payments or has already missed payments, Pulte specialists will work with them to assess whether or not they qualify for one or more possible solutions, which may include:
Refinancing, Deed-in-Lieu of Foreclosure, Temporary Payment Plan, Loan Modification, and Refinancing
Call (800) 488-0053 to get this help.
Prepare yourself by faxing or sending the following documents to Pulte to get better and speedy services:
- A brief overview of your financial problems and any circumstances that necessitate assistance
- A financial worksheet that contains detailed information on all of your income, liabilities, assets, and expenses
- Returns for the current tax year
- Proof of your entire household income (e.g., two most-recent payment stubs, unemployment, profit and loss statements, social security, etc.)
- The most recent bank and investments statements for two months (e.g., 401k, checking, IRA, savings, money market, etc.)
Note that Pulte mortgage understands that every customer has a unique financial condition, and they evaluate each customer’s alternatives on an individual basis. The more details you can gather before your phone call, the faster they can decide whether or not you are eligible for assistance and which solution is the best fit for you.
What happens to any additional funds that I may submit with my usual payment?
Please state the purpose of all additional monies on your return payment notification; otherwise, Pulte will put unlabeled funds against pending late fees, your escrow account, or other charges unless you specify otherwise.
Is it possible to change the personal information on my account?
Yes, you can. If the changes involve your mailing address or phone number, you will fill out the form at the back of your loan statement and send it back to Pulte. When the changes involve your account number, you will log in to your account to make the necessary adjustments.
What to Do if I Made a Late Pulte Mortgage Payment
It’s a good idea to avoid a late Pulte mortgage payment at all costs, but mistakes sometimes happen. While you don’t want to be too hard on yourself if this happens, you need to consider possible consequences. Case in point: you could see your credit score take a hit if you don’t make payments on schedule. Also keep in mind that late mortgage payments may remain on your credit report for as many as seven years, which would adversely impact your credit score. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report.
Option #1: Contact Pulte Mortgage and Make Request
Reach out to Pulte mortgage by phone right away, and acknowledge that your payment was submitted past the deadline. It’s important to admit you were in error. Let them know when they can expect payment. They may be willing to delete your late payment data so that your creditworthiness doesn’t suffer.
Option #2: Write Them a Letter
The next option at your disposal is to write a letter, known as a goodwill letter, to Pulte Mortgage. In the letter, you’ll want to specifically and respectfully request a removal. Do these 2 things in the letter:
- Demonstrate that you accept that the situation was caused by you.
- Guarantee that there will be no repeat of the delinquent behavior going forward.
What follows is a sample letter template you can use as inspiration:
[Your first and last name] [your address] [your account number]
[date]
To Whom It May Concern:
I appreciate your taking the time to read my letter. The reason for this correspondence is that I found on my latest credit report a late payment listed on [date] for my [name of account] account. I’m aware of the importance of making timely payments and meeting my financial commitments. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Specifically, I’ve [explain what has changed that will prevent any additional late payments]. Since my missed payment, I have had a flawless record of making payments on time.
One reason I’m making this request is that my intention is to apply for a [loan, credit card, etc], and I’ve come to understand that the missed payment reflected on my credit report could jeopardize my objective. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. This would delete my late payment on [date] and enable me to obtain a [loan, credit card, etc.) and to secure a better rate.
I appreciate your considering this matter, and I hope you will grant my request.
Best regards,
[your name]
Option #3: Make Them an Offer
Another option is to contact Pulte Mortgage and make them an offer they can’t refuse. Lenders prefer to have people opt for automatic payments – so that payments are made on time, all the time. If you’re willing to sign up, the lender might be persuaded to scrub the late payment from your credit report as a goodwill gesture. Pulte Mortgage may, if you do not wish to sign on for automatic payments, recommend another way for you to potentially get your late payment erased from your credit report.
How to Avoid Late Pulte Mortgage Payments
When you do get approved for a Pulte Mortgage loan, you’ll want to avoid any late payments. Here are a few tips that will help you steer clear of making untimely payments.
Tip #1: Sign Up for Auto-Pay
Your first order of business is to set up an automatic payment option, and you can do this either through your bank or through your lender. You’ll want to go with the most ideal option for you.
- You can avoid late payments and any resulting late fees. This will, in turn, ensure a healthy credit score.
- You can do your part to protect the environment with paperless billing.
- You won’t have to deal with any expenses relating to postage as you won’t need an envelope or a stamp, and you won’t have to fill out a check since auto-pay is done via electronic funds transfer.
- You will save time since auto-pay is convenient. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. With auto-pay, you can automate the entire process of paying bills.
- You could, if you’re not monitoring the inflows and outflows of money in your bank account, overdraw your account. In order to avoid any problems, just keep track of how much you have in your account at all times.
- You could potentially overlook things like errors, interest rate hikes, or other hidden fees. This can be avoided by simply making it a habit to go over your bill.
- You could fail to stay on top of things such as the amount owing or the amount you’re paying monthly. As has been mentioned, you can steer clear of such problems by checking into your account regularly. This will help you to know when it might be a good idea to made additional payments to reduce the principal quicker.
Tip #2: Sign Up for Alerts and Reminders
Receiving a notification for an upcoming bill payment can make all the difference. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. You’ll be able to avoid late payments by doing so
Tip #3: Set Up a Bill Pay Day
Another option is to purposefully schedule a period of the month when you can commit to making bill payments. When you go this route and have a system in place, you will avoid late Pulte mortgage payments.
Customer Service
Support Service: 1 (866) 236-8165
Fax: 1 (303) 694-2082
Pulte Email Address: [email protected]
Pulte Mortgage Address:
7390 S. Iola Street
Englewood, CO 80112
NMLS ID: 1791
Social Media Links
Facebook: www.facebook.com/PulteMortgage/
Instagram: www.instagram.com/pultemortgage/
Linkedin: www.linkedin.com/company/pulte-mortgage/
