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Option 1: Online
Log on to www.mortgagequestions.com to update your mailing address.
 
Option 2: By Mail
Send us a written request.

Option 3: By Phone
Contact our Customer Care Center at 1-877-461-2437.

If the account is escrowed for taxes, we pay the amount reported by your taxing authority. Please contact your taxing authority to be sure that they do not request payment during the deferral period.

Yes, if you have an international phone number, you can still register on the website. However, please choose to verify your account using your email address instead of the international phone number.

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

Imposter Scams
These are usually phone calls from individuals claiming to be Onity Mortgage (Onity) 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 Onity phone number. This is called spoofing.

Onity would never require payment via a pre-paid debit/gift card. Onity would never request a Western Union payment to be sent to an individual. Onity 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 Onity, 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.

Onity 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).

We are excited to announce that PHH Mortgage has changed its name to Onity Mortgage. 

Our name, Onity, is based on the phrase "we're on it". Onity is pronounced ON-it-ee. 

Your mortgage servicer is not changing, and there is nothing you need to do right now related to our name change. We are the same company with a nearly 40-year legacy of serving homeowners, but now with a new name that is built with our customers in mind.
 

Frequently Asked Questions: 

Why Onity?
Our name, Onity, is based on the phrase "we're on it". Onity is pronounced ON-it-ee. We are the same company with a nearly 40-year legacy of serving homeowners, but now with a new name that is built with our customers in mind. 

Is my mortgage account being transferred? 
No, your mortgage is still being serviced by the same company. You will just see Onity Mortgage where you used to see the company name PHH Mortgage.

Will my account number or any other details about my account change?
No, your account number is not changing. Your mortgage is still being serviced by the same company. You will just see Onity Mortgage where you used to see PHH Mortgage.

Do I need to do anything due to your name change?
There is nothing for you to do at this time! Our website address and our mobile app are not changing. 

Will my online or mobile app log in credentials change?
No, your username and password will not change and will not need to be updated due to our name change. 

Is the PHH Mortgage name going away completely?
Yes, the PHH Mortgage name will no longer exist. For a period of time, you may see PHH Mortgage referenced in various communications.

I use my bank’s bill payer service. Do I need to update anything with my bank?
No, we will continue to accept payments to PHH Mortgage. However, please feel free to update your bill payer information to Onity Mortgage for ease of reference in the future.

• Note: If you currently make your check payable to your bank or original mortgage provider, no change is needed. 

I’m on Autopay, where you currently automatically draft my payment. Do I need to do anything?
No, no updates are needed if you make Autopay payments via our website.

I mail my monthly payment to you - do I need to do anything?
We will continue to accept checks made payable to PHH Mortgage. Please feel free to make your check payable to Onity Mortgage in the future though.

• Note: If you currently make your check payable to your bank or original mortgage provider, no change is needed. 

How will this change impact my credit reporting?
After our name change officially happens, it may take a few weeks for the credit reporting agencies to update your credit report with our new name, Onity Mortgage. 

How will your name change impact my tax statements?
Your 2026 tax statements will be issued by PHH Mortgage. In 2027, your tax forms will be issued with our new name, Onity Mortgage. 

Will I need to contact my insurance company to update the mortgage company name on my insurance policy?
No, we will work with your insurance carrier to make all updates. 

My account is being reviewed for a release of liability, assumption, modification, etc. Will this review continue?
Yes, your review will continue. Our name change to Onity Mortgage will have no impact on your request. 

I'm on a military allotment. Do I have to do anything?
No, you will not need to follow anything different. 

I authorized someone to transact on my behalf on my account. Do I have to send an updated authorization form?
No, you will not need to update the authorization. 

We are excited to announce that PHH Mortgage will be changing its name to Onity Mortgage. 

Bankruptcy, foreclosure, and other specific loan conditions may have limited access. Our agents can better assist you over the phone. Please contact our customer support team for further assistance.

Thank you again for obtaining your new mortgage through Onity Mortgage!  Get started with managing your mortgage by setting up your online account and learn more about payment options. 
 

If you received notice that your mortgage was transferred to Onity Mortgage, this section is for you. Here you can learn more about the transfer and what comes next for your account.

Review the Terms and Conditions for receiving your Disclosures electronically and go Paperless.