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 recast occurs when a large lump sum payment is made towards the principal balance and a request is made to recalculate the monthly payment based on the new lower balance. The interest rate and loan term remain unchanged. 

Recasts are subject to eligibility and a fee may apply. 
 

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.

Once-a-Month or Biweekly Payments
You can cancel once-a-month or biweekly payments through our website at any time. Visit the Payment section and select the Autopay link or call our Customer Care Department at 1-800-449-8767. 

Twice-a-Month Payments
You can cancel twice-a-month payments up to three business days before the draft date by calling our Customer Care Department at 1-800-449-8767.

If the payoff occurs before your draft date, the draft will cancel automatically. If your draft occurs while the payoff funds are in transit and you wish to avoid a duplicate payment, we do recommend that you cancel the draft. Please note, if your mortgage payment due date occurs before the payoff date, you're still responsible for the monthly mortgage payment. 

Once-a-Month or Biweekly Payments
You can cancel once-a-month or biweekly payments through our website at any time. Visit the Payment section and select the Autopay link or call our Customer Care Department at 1-800-449-8767. 

Twice-a-Month Payments
You can cancel twice-a-month payments up to three business days before the draft date by calling our Customer Care Department at 1-800-449-8767.
 

To update your bank account, we must receive the new bank information three business days before the next scheduled draft date. We will process your request and notify you in writing with the effective date of the change. Payments will continue to be withdrawn from your old account until that date.

Once-a-Month or Biweekly Payments 
Please update your information by visiting the Payment section of this website and selecting the Edit Enrollment link under Autopay or call our Customer Care Center at 1-800-449-8767.

Twice-a-Month Payments 
Call our Customer Care Center at 1-800-449-8767. 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

Yes. You can make a payment 24 hours a day, 7 days a week online or using our automated phone system at 1-800-449-8767. There may be a fee to process a payment. There is no fee to pay online if you're signed up for paperless statements.

All payments processed by 11:59 pm ET on a business day will reflect on the account on the date the payment was made. Payments processed on non-business days will reflect on the next business day. 

Yes. You can process a payment through this website or the automated phone system at 1-800-449-8767. This number is available 24 hours a day, 7 days a week. Please refer to the Fee Schedule for various fees by states. Customers that have registered for Paperless Statements will not incur a fee to process a payment online.

All payments processed by 11:59 pm ET on a business day will reflect on the account on the date the payment was made. Payments processed on non-business days will reflect on the next business day.  

If all credentials are being entered accurately, close any duplicate windows or tabs that may be open. In addition, clear the web browser cache. Relaunch the browser and attempt to register again. 

If you still experience issues, please contact our Website Support team at 1-833-862-0732 for assistance. 

If you selected email, please make sure that you are using a valid email address and check the Junk/Spam folders in your email as well. If you selected the text option to receive the verification code, please make sure you are using a US based phone number that can receive SMS text messages.

If the verification code is still not being received, please contact our Website Support team at 1-833-862-0732.