Please allow one business day for the Autopay cancellation to process before re-enrolling. Once the account is updated, you can re-enroll and set up a new Autopay draft option.

For more information, email us at PartialRelease@mortgagefamily.com. You may also send a request by mail to:

PHH Mortgage
Attn: Partial Release
2000 Midlantic Drive
Suite 410
Mt. Laurel, NJ 08054

Be sure to include the details of your request, as well as your mailing address and phone number. We will send a requirement letter outlining the instructions for the process.

An Adjustable-Rate Mortgage (ARM) is a loan with a fixed interest rate for an introductory period and then changes at regular intervals according to the index listed in the Note. ARMs are also known as a Variable-Rate Mortgage.

When the loan reaches maturity, all outstanding balances are due. If you find you are unable to afford the outstanding balance, we will work with you to find any available assistance option.

Per CDIA requirements, there will be no credit reporting upon discharge of a chapter 7 bankruptcy if the debt is not reaffirmed. This is because the discharge removes the personal liability for the underlying debt amount. For secured loans discharged through chapter 12 or 13 bankruptcy cases, credit reporting stops if the collateral was surrendered or the lien was avoided.

After the bankruptcy is discharged, we will resume sending statements. However, we will not send statements if the lien was avoided or the property was surrendered in the bankruptcy.

There is no personal liability for the debt owed; however, a chapter 7 discharge does not eliminate the lien of the mortgage or deed of trust (also known as security instruments). This means that creditors still maintain an interest in the property and can take action to protect that interest.

Yes. We encourage you to ask for assistance if necessary. While it is possible that the bankruptcy discharge eliminated the personal obligation to repay the debt, the lien of the security instrument remains on the property.

Yes. All of the above information regarding discharge and the lien status applies to both first and second mortgage accounts.

After the introductory period, the new interest rate is calculated based on the terms outlined in the Note. 

A buydown mortgage is a way to lower the mortgage interest rate for a set period of time. This can be done by paying an upfront fee, known as discount points, or by having the seller or lender pay for a temporary buydown.

You have a few options to get started.
 
Option 1: Online
 

If you've experienced a financial hardship.

Click here to be taken to our Homeowner's Assistance page to get started.

Option 2: By Mail or Email
You can also complete the Mortgage Assistance Application and send it by mail or email. The application requests your current income and expenses and the reason for your hardship to help us determine the best available option.
 
Click here to print the Mortgage Assistance Application.
 
Option 3: By Phone
To start the mortgage assistance review with one of our agents, call us at 1-800-449-8767.

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

A mortgage recast or re-amortization occurs when you make a large lump-sum payment toward your principal balance and request that your monthly payment be recalculated based on the new lower balance. Your interest rate and loan term remain unchanged, but your monthly payment decreases. This is different from refinancing because there are no closing costs and your original loan terms stay the same. Click here for more information and to determine if a recast is right for you.
 

Click here for more information on recasting and to determine if a recast is right for you.

Click here for more information on recasting and to determine if a recast is right for you.

To check the status of your application, contact us.

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 


 

Once-a-Month or Biweekly Payments
You can cancel once-a-month or biweekly Autopay anytime through our website. Just log in to your account, head to the Payment section and click on the Autopay link to make changes.

Still need help? We're here for you - just contact us!  

Twice-a-Month Payments
You can cancel twice-a-month payments up to three business days before your draft date by giving our Customer Care Team a call at 1-800-449-8767. We'll be happy to assist you and make the process easy. 

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

If your account is paid off before your scheduled draft date, no worries - the Autopay will cancel automatically. However, if your payment is still in transit and your draft date is approaching, we recommend canceling the draft to avoid a duplicate payment. 

Please note: If your regular mortgage payment is due before the payoff is completed, you're still responsible for making that payment. 

Once-a-Month or Biweekly Payments
You can cancel once-a-month or biweekly Autopay anytime through our website. Just log in to your account, head to the Payment section and click on the Autopay link to make changes.

Still need help? We're here for you - just contact us! 

Twice-a-Month Payments
You can cancel twice-a-month payments up to three business days before the draft date by giving our Customer Care Team a call at 1-800-449-8767. We'll be happy to assist you and make the process easy. 

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 
 

If you're sure your credentials are correct but you're still unable to register, try the following steps:

1. Close any duplicate browser windows or tabs that may be open. 
2. Clear your browser cache to remove any stored data that might be interfering. 
3. Relaunch your browser and attempt to register again. 

If the issue persists, our Web Support Team is here to help. Please call us at 1-833-862-0732 for further assistance. 

You can find this information in your original mortgage documents. If you still need help, feel free to contact us. We're happy to help.

We follow the current guidelines from the Consumer Data Industry Association (CDIA) for all bankruptcy filings. The status of the loan at the time of reporting will be furnished monthly along with the current chapter filed. Typically, a bankruptcy filing can reflect on a credit report for 7 to 10 years.

Small Balance Commercial Loans - Credit is not reported on small balance commercial loans. For assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

Please send us your new bank info at least three business days before your next draft date. We'll confirm the change in writing and payments will continue from your current account until the update takes effect.

Once-a-Month or Biweekly Payments 
You can update once-a-month or biweekly Autopay anytime through our website. Just log in to your account, head to the Payment section and click on the Edit Enrollment link to make changes. 

Still need help? We're here for you - just contact us! 

Twice-a-Month Payments 
You can edit twice-a-month Autopay by giving our Customer Care Team a call at 1-800-449-8767. We'll be happy to assist you and make the process easy. You can also notify us in writing by fax or mail.

Fax:
856-917-8322
Attention: ACH Department
 
Mail:
PHH Mortgage
Mail Stop SV61
Attn: ACH Department
1661 Worthington Road
Suite 100
West Palm Beach, FL 33409

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

Click here to learn more on how biweekly payments work and why it might be a great choice for you. 

Small Balance Commercial Loans - The biweekly payment program is not available for small balance commercial loans. For assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:00 am to 6:00 pm ET. 

Payments are typically due on the first day of each month, however, you may have a grace period before a late charge is assessed. If your payment is not received by the last business day of the month, you may be reported to the credit bureaus. 

Small Balance Commercial Loans - Credit is not reported on small balance commercial loans. For assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

Yes, you can request that the Department of Veterans Affairs (VA) deduct mortgage payments from your VA disability compensation or pension. To start, stop or change deductions, fill out this form and return it to the VA.

Please note: If you are a Veteran making your mortgage payment through the Deduction of Benefit process, it is your responsibility to submit a new form to the VA authorizing a change in the deduction from your benefit payment should the mortgage payment amount change.

Small Balance Commercial Loans - For assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

Any IRS tax form will be available online after mailing and can be found within the “Document Center” when you log in. Your statement will be mailed to you by January 31^st or the following business day unless you are enrolled in paperless.

If a financial hardship is affecting your ability to make your mortgage payments, we are here to help. PHH Mortgage is The Leader in Loss Mitigation!® . Our specialists will review your situation and determine the best available assistance option for you. This assistance could include any of the following:
 
Repayment
Forbearance
Loan modification
Short sale or pre-foreclosure sale
Deed in lieu of foreclosure
Partial claim
 

If you've experienced a financial hardship.

Click here to be taken to our Homeowner's Assistance page to get started.  A Mortgage Assistance Application can also be completed by contacting our Customer Care Center toll-free at 1-800-449-8767, Monday through Friday, 8:00 am to 9:00 pm EST and Saturday 8:00 am to 5:00 pm EST.

Click here to learn more about our assistance options or visit www.fanniemae.com for additional information.

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

Click here to be taken to our Homeowner's Assistance page to get started. 

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

No, you'll need an online account to access your account information. Want to learn more about creating an account? Learn more. 

Ready to get started? Register now.

A mortgage transfer means your account is now being managed by a new company. In this case, PHH Mortgage is your new mortgage servicer. That means we’ll handle everything related to your account – from processing payments to answering your questions and providing support. We’re here to help make things easy and help you every step of the way.

Mortgage transfers are a normal part of the industry and happen for various business reasons. We’re excited to be your new mortgage servicer and look forward to supporting you with reliable service and care.

If you’ve just had your mortgage transferred, it may take a week before you can access your account online or through our automated phone system. That’s because we’re carefully verifying and updating your account information from your previous servicer. As soon as everything is set up, you’ll be able to register online and use your new account number without any issues. Thanks for your patience – we’re working to get everything ready for you!

No worries – if you made a payment to your previous servicer on or after the transfer date, they’ll forward it to us, and we’ll apply it to your account. It might take a few days for the payment to show up but rest assured, we won’t charge any late fees or report negative activity to your credit agencies during the first 60 days after your loan transfer. We’re here to make this transition smooth and stress-free.

We offer several easy and secure ways to make your mortgage payment. Whether you prefer to pay online, by phone, through mail or set up automatic payments – you can choose the option that works best for you. Visit our Ways to Pay page to explore your choices and get started.

Great question! In some cases, automatic payments may carry over from your previous servicer, but not always. To find out for sure, check your Servicing Transfer Notice – it will let you know if your payments will continue automatically. You can also confirm by registering your account online and reviewing your payment settings. If needed, you can easily set up automatic payments with us to stay on track.

Your escrow account will transfer to PHH Mortgage automatically, so there’s nothing you need to do. We’ll continue to manage it for you – that means we’ll make your property tax and insurance payments on time, just like your previous servicer did. You can count on us to keep everything running smoothly.

You don’t need to worry – your previous mortgage servicer should take care of notifying your insurance carrier about the change.

No, your loan terms will stay exactly the same. That means your interest rate, monthly payment, and other key details won’t change. The only difference is that a new company will now handle the day-to-day servicing of your account, like processing payments and providing customer support.

You’ll receive a notification letter from your current mortgage servicer before the transfer happens. This letter will include the date your account will officially move to the new servicer, along with contact details for both companies. That way you’ll know exactly who to reach out to if you have any questions during the transition.

Loan servicing transfers are a normal part of the mortgage industry. This change doesn’t reflect any problem with your account and your loan terms will stay the same. You’ll receive all the details you need to make the transition smooth.

If you’re currently enrolled in automatic payments, please take a moment to review the goodbye letter you received. It will let you know whether your automatic payments will transfer to the new servicer or if you’ll need to set them up again.

No, once your loan transfer is complete, payments must be made to your new servicer. You’ll find their contact and payment information in the goodbye letter we sent you.

No worries – your escrow account will transfer along with your loan. The new servicer will take over managing your tax and insurance payments, so there is no action needed on your part.

If you’re currently on a loss mitigation plan, it will transfer along with your loan. The new servicer will continue to honor and manage your plan, so you won’t need to reapply or start over.

A loan transfer typically won't hurt your credit score - as long as you continue to make payments on time. Your loan terms and payment history stay the same.

You might notice a small temporary dip in your score due to how credit reporting systems handle the transition (closing the old account and opening a new one). This is normal and your score should bounce back once the new loan is reported consistently.

No, there are no fees associated with the transfer of your loan servicing. This process is completely free for you.

You’ll receive a welcome letter from your new servicer that includes the official transfer date and all the important contact details. This letter confirms that your loan has been successfully transferred and provides everything you need to get started.