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 Payments will continue to be withdrawn from your old account until that date.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

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.

Yes, PMI may be canceled in certain circumstances.

Automatic Termination 
If you’re required to carry PMI, we’ll cancel it automatically when your loan-to-value (LTV) ratio is scheduled to reach 78%. The LTV ratio is the difference between the loan amount and the original market value of the home.

LTV Example: If you borrow $88,000 to buy a house valued at $100,000, your loan-to-value ratio is 88%. ($88,000 /$100,000 = 0.88, or 88%).

Based on the original home value, we’ll project the date when your LTV will reach 78%, and we’ll plan to cancel your PMI on that date.

Early Cancellation
You can request early cancellation of PMI before the automatic cancellation date. Each mortgage investor has different requirements for canceling PMI early.

• In most cases, the property must reach at least an 80% LTV. 
• If you obtained your loan less than two years ago, your investor may require a list of substantial improvements to evaluate the PMI cancellation request. You must have a description of the improvement, the date it occurred, and the associated cost.
• A home valuation may be required to determine your equity amount. The cost of the valuation will be your responsibility. We will let you know if a valuation is required along with the costs and steps to have the valuation completed.
• You must be current on your loan payments. You cannot have been more than 30 days past due in the last year or more than 60 days past due in the last two years.

Yes. Additional principal payments can be drafted on each draft along with your regular payment. 

You can also schedule a one-time principal payment after your regular draft by visiting the Make a Payment section under Payment. The amount will automatically draft from your bank account. You can also make additional principal payments by check. You can mail a mortgage or HELOC additional principal payment to the processing center listed below:

Payment Processing
P.O. Box 660093
Dallas, TX 75266-0093
 

Click here to learn more about our convenient automatic payment methods. 

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

Click here to view a list of common fees and costs that may be assessed in connection with the mortgage. Actual fee amounts may vary based on the terms of the mortgage documents and applicable state and federal laws and regulations. This list does not include all fees and costs that may be charged, including, but not limited to, non-common costs, foreclosure costs, bankruptcy fees, attorney fees and court costs.

There are many factors that go into a decision to refinance. The first step is determining your financial goals. For example, are you looking to lower your monthly payment, reduce your mortgage term, consolidate bills, or take cash out for home repairs and other expenses? These are all things to be considered. Contact one of our expert sales consultants to discuss your options. You may even qualify for a streamline process that could save you time and money.

To request a duplicate monthly account statement, Contact us. 

For details about your grace period, refer to your original mortgage documents or contact us.

There are different types of scams. A couple examples are below.

Imposter Scams
These are usually phone calls from individuals claiming to be PHH Mortgage Services (PHH) employees demanding payments in the form of a pre-paid debit/gift cards to cover trial loan modification payments, escrow shortages and/or to avoid foreclosure. These imposters may be calling from what appears to be a legitimate PHH/Onity phone number. This is called spoofing.

PHH would never require payment via a pre-paid debit/gift card. PHH would never request a Western Union payment to be sent to an individual. PHH would never ask for personal information over the phone, unless you initiated the contact and we are verifying your identify.

If you ever doubt the legitimacy of a call from PHH, especially if payment is demanded, hang up and call us directly.

If you think you may have been a victim of an imposter scam, please contact us and then file a report with your local police department. You can also contact the Federal Trade Commission.

Loan Modification Scams
These are schemes where “Foreclosure Rescue Companies” take your money, often by making a false promise of saving you from foreclosure.

PHH does not charge up-front fees for a loan modification. You should never sign over title to your property or sign papers you don’t understand. Only make payments to your mortgage loan service provider.

If you think you have been a victim of a loan modification scam, please contact us. You can also file a complaint with the CFPB online or by calling 1-855-411-2372 (CFPB).

When you make a lump-sum payment of $5,000 or more toward the principal balance, we can recalculate the monthly payment based on the reduced balance. This recalculation is called a recast. Your monthly payment decreases while the interest rate, term, and maturity date remain the same. To request a recast, log on to your account and send us a secure message by visiting Account Management > Messages.

You can request a mortgage recast after making a lump-sum payment of $5,000 or more towards the principal balance. The account must meet the following criteria to be eligible for a recast:

• The account must be paid ahead or due for the current month's payment.
• The account must not be active in an interest-only payment period.

HELOC, FHA, VA, GNMA, and commercial accounts are not eligible for a recast.

There may be other requirements. For help with a recast request or to make sure you qualify before making a large lump-sum payment, log on to your account and send us a secure message by visiting Account Management > Messages.

Yes, you can overnight a payment to:

Payment Processing
3000 Kellway Dr. Suite 120
Carrolton, TX 75006

You can mail a mortgage or HELOC payment to the processing center listed below:

Payment Processing
PO Box 660093
Dallas, TX 75266-0093
 

Yes. You can make a payment for free 24 hours a day, 7 days a week online or using our automated phone system at 1-800-449-8767. 

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. 

Autopay is the easiest way to pay.  Just set it, forget it, and you could save money. We have several Autopay options. Click here to learn more about each one and how to enroll.  For other ways to pay your mortgage, click here. 

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.