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PHH is The Leader in Loss Mitigation!®.  If you are having trouble making your monthly mortgage payment, PHH Mortgage can help.

To Apply for Assistance

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 or by downloading it here.

There are other options available that may allow you to keep your house by making your payments more affordable. 

• Homeowner Assistance Fund - The US Treasury allocated funds to each state, including the District of Columbia and Puerto Rico, to provide financial assistance to homeowners who are struggling to pay their mortgages due to the Covid-19 pandemic.  You may be eligible for financial assistance through this program. For more information on how to apply for these funds, please refer to your state for specific information. PHH Mortgage is committed to working with each state to process these funds. Learn More
• State Assistance Resources - Access information and details on applying for homeowner assistance funds in your state. Learn More
• Repayment Plans - You may have had a short-term hardship that resulted in the inability to make your mortgage payment. If that hardship is resolved, a repayment plan may be an option for you. We will review your application for homeowners' assistance and determine if this is an affordable option for you. This will allow you to bring your mortgage loan current, without altering the terms or maturity date of your Note.**
• Natural Disasters - PHH Mortgage and its employees are here to help as you recover from the devastation caused by the recent disaster. Learn More
• Forbearance Plans - A forbearance plan may be an appropriate option for you if you are experiencing an unresolved, short-term financial hardship. This hardship may be due to loss of income resulting from unemployment, illness, or perhaps a disaster. A forbearance plan will allow you to reduce or suspend your mortgage payment for a set period of time.  We will review your application for homeowners' assistance and determine if this is a suitable option for you. At the end of the forbearance plan, you will be required to repay any past due amount. However, you can apply for a repayment plan or a modification to determine if you're eligible for either of those options to assist in resolving the delinquency to bring your account current.**
• Loan Modification - If you have experienced a financial hardship that resulted in the inability to pay your mortgage payments, or you anticipate that you may have trouble paying your mortgage timely due to a change in your financial circumstances (e.g. divorce, death of a borrower, or a long-term disability), then a modification of your existing loan terms may be the appropriate option for you.  Modification terms will be determined based on a review of your financial information provided by you in your complete application for homeowners' assistance. The potential terms are set forth by the investor of your loan. They may include a possible rate reduction, an extension of the term of your loan, or even a principal deferment to reduce your total monthly payment to an affordable payment so that you can remain in your home. **
• Pre-Foreclosure Sale - This option allows you to sell your home for fair market value, which may be less than your mortgage debt and avoid foreclosure. You may also qualify for relocation costs. However, there can be negative impacts such as having to move out of the home and possible tax implications.**
• Deed-in-Lieu - Another effort to avoid a foreclosure is a Deed in Lieu (DIL).  This is the practice of transferring the property to the lender and being released from the debt. The benefits are you avoid having to sell the home and may even qualify for relocation assistance.  However, there can be negative impacts such as having to move out of the home and possible tax implications. **

**For Repayment Plans Forbearance Plans, Loan Modification, Pre-Foreclosure Sale or Deed-in-Lieu, use the link below to Apply for Assistance:

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 or by downloading it here.

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

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: 

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?
For some customers, we will provide a new website address and mobile app to utilize in the future. If this applies to you, we will send you details about the new website address and mobile app link to download.   

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. However, you may need to review your spam filter as some of our email address updates may cause emails or web alerts to be inadvertently directed to spam folders.

Is PHH Mortgage going away completely?
No, PHH Mortgage is still the licensed mortgage entity for Onity Mortgage. You will still see PHH Mortgage in a limited way such as on your credit report.  

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.

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.

Will I see a different name on my credit reporting?
Yes, you will see both the PHH Mortgage & Onity Mortgage names on your credit report. For example:  PHH Mortgage dba Onity Mortgage or PHH/ONITY

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

If you are not satisfied with any aspect of the servicing of your account, please contact our Customer Service Department at 1-800-449-8767. 

If you are unsatisfied with your response from our Customer Service Department, please use the address below and include your name, account number, property address and a statement of either the information you are requesting or the error you believe has occurred.

PHH Mortgage
P.O. Box 24695
West Palm Beach, FL 33416

New York Property Owners: You can also file complaints about your servicer with the New York State Department of Financial Services. You can obtain further information from the New York State Department of Financial Services by calling the Department's Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov.

Texas Property Owners: COMPLAINTS REGARDING THE SERVICING OF YOUR MORTGAGE SHOULD BE SENT TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TX 78705. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 877-276-5550. A complaint form and instructions may be downloaded and printed from the department's website located at www.sml.texas.gov or obtained from the department upon request by: mail to the aforementioned address, telephone through their toll-free consumer hotline listed, or email at smlinfo@sml.texas.gov

Find answers to frequently asked questions about mortgage transfers.

Welcome to PHH Mortgage and your new upgraded mortgage experience. We understand that mortgage transfers can be frustrating, but we are here to help guide you through the process. Use this tool to help locate your new account number. 

Read through the Terms of Use Agreement that govern your use and access of the Website. 

Learn how to secure your money and personal information to protect against fraud. 

You have a few options to request a payoff quote. Once we receive your request, we will generate the payoff quote and send it to you by fax or mail within four business days. A payoff quote fee of up to $30 may be applied to Residential Loans, and up to $50 for Commercial Loans, as permitted by state law. 

Option 1: Online
Log in to your account on MortgageQuestions.com and click Payment at the top of the screen. In the "Loan Payoff" box, click View Payoff Quote. Click CONTINUE to submit the payoff quote request.

Option 2: In Writing
You can send us a written request for a payoff quote. Include the date you would like the quote to be good through. You can send the request by email to payoffs@mortgagefamily.com or by fax to 1-856-917-8283.

Option 3: By Phone
To request a payoff quote through our automated phone system or with one of our agents, call us at 1-800-449-8767.

Depending on the account characteristics, a payoff quote fee of up to $30 may be applied to Residential Loans, and up to $50 for Commercial Loans, as permitted by state law. If the fee applies, it will be included in the payoff quote.

Recent insurance company cost increases may impact homeowners with properties in certain states. Learn more on how to take action when costs surge.

Learn more about homeowners' assistance options If a financial hardship is affecting your ability to make your mortgage payments.

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.

Have questions? Use our secure email form to Contact Us. 

We appreciate your business and want to hear from you. Our Customer Service agents look forward to assisting you. For fastest assistance, log in to your account to send us a secure message or chat with us. 

If you are having trouble accessing your online account, enter the details below that match your mortgage account.

Submit a verified consumer request for your Right to Know or Right to Delete. 

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.

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

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.

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.

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.

PHH Mortgage is a full-service mortgage company, helping customers for nearly 40 years. Our 5,000 employees are committed to delivering personalized mortgage service to help customers save money and build equity.

As a subsidiary of Onity Group Inc., a leading financial services company, our success is grounded on a shared set of Company Values that guides our behavior and defines the way we do business. 

We’re a servicing leader with a strong track record of success in foreclosure prevention and loss mitigation helping homeowners stay in their homes.  We focus on working together with our customers to give a great customer experience.

Our Highlights

1.5 million loans serviced Offices and operations in West Palm Beach, FL, Mount Laurel, NJ, Houston, TX, the United States Virgin Islands (USVI), India and the Philippines.

What Our Customers Are Saying

Careers

Want to find out what career positions we have available?  Research our opportunities to  Find Your Next Role.

If you received notice that your loan is being transferred to PHH Mortgage by AmeriHome on September 1^st, this section is for you. Here you can learn more about the transfer and what comes next for your loan.  Welcome again to the PHH Mortgage family. We’re excited you’re here and we look forward to serving you. Be on the lookout for communications from us including a personalized video with helpful information about the loan transfer.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

If you received notice that your loan is being transferred to PHH Mortgage by American Pacific Mortgage Corporation on August 1^st, this section is for you. Here you can learn more about the transfer and what comes next for your loan.  Welcome again to the PHH Mortgage family. We’re excited you’re here and we look forward to serving you. Be on the lookout for communications from us including a personalized video with helpful information about the loan transfer.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

Welcome to PHH Mortgage. A home is one of the biggest investments you can make, and we know how important it is. This page introduces you to your servicing transfer timeline and what you can expect during the process.

New Customers

Are you a new customer? Was your account recently transferred to PHH Mortgage? Regardless if PHH is servicing your loan directly or servicing it on behalf of another servicer, we welcome you to our digital site. We’re glad you are here, and we want to make your transition to PHH Mortgage as easy as possible.

PHH Mortgage is one of the nation’s largest non-bank mortgage servicers and we are committed to delivering exceptional service. Helping homeowners is what we do!®

Welcome to PHH Mortgage:

• March 1st - First State Bank of St. Charles, MO
• March 1st - SecurityNational Mortgage Company
• April 1st - SecurityNational Mortgage Company

​Which best describes you?

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

We offer multiple flexible ways to make your payment - choose the one that's right for you.

Autopay	Online	Other Ways to Pay
Set it and forget it! It's free, flexible and could save you money. Learn more and enroll today.	Make one-time monthly payments by logging into your account. Some fees may apply. Learn more or make a payment today.	Use a bill pay service, pay by check or money order, or call us. Learn more.

Paying by telephone, IVR, or internet is entirely optional and, unless otherwise specified, involves a fee retained in whole or in part by PHH Mortgage. There are alternative methods of payment involving no fee, such as mailing a check or money order, or scheduling monthly bank account debits, while some methods of payment involve a lower fee than others. Typically, the fee for paying online is lower than or equal to paying through our automated telephone system, and generally the fees for paying through a call with a live agent are higher. However, paying online is free for those enrolled in paperless billing. Late fees may be incurred if a payment is not received within the grace period regardless of payment method. Click here to learn more about potential fees and how to avoid them.

Check out our Frequently Asked Questions to get answers to questions about your mortgage such as making payments, escrow, taxes and more.

Click here to view a list of common fees and costs that may be assessed on a mortgage loan.

Actual fee amounts may vary based on the terms of the loan 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.

We offer multiple flexible ways to make your payment - choose the one that's right for you.

We delight our customers with caring service and innovative home-ownership solutions. Upgrade your online experience in 3 easy steps! 

Find answers to frequently asked questions about mortgage transfers.

Take advantage of these helpful services to better manage your account.

Introducing our newly redesigned MQ.com Mobile App – Managing your account on the go has never been easier!

PHH Mortgage and its employees are here to help as you recover from the devastation caused by the recent hurricanes.

When you choose to go paperless, you can access 36 months of account history anytime.

Learn more about when you'll receive your Form 1098 or refer to the Taxes and Year-End Frequently Asked Questions for more details. 

An escrow account is money set aside from your monthly mortgage payment to pay expenses related to property taxes and insurance. 

Once you register online or download the mobile app, set up alerts to be in the know about your account.

Understand how to access PDF documents from our website on various devices. 

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

Understanding fees and how to avoid them.