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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.

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:

 

• June 1st - BSI Financial Services

​Which best describes you?

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.

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.

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.

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. 

There is no fee to make a mortgage payment online or in our automated phone system.

When paying by phone with an agent, you may be charged a fee for using this service. The amount of the fee will be disclosed to you for your acceptance before your transaction is completed. PHH Mortgage has a business relationship with the provider of this payment processing service and a portion of the fee will be retained by PHH Mortgage. Please note that you are not required to use this payment service or this payment provider, as we do accept other payment methods that you can use without incurring a fee. You have the right to select your own payment method and provider.

You can also mail a check to the payment processing center listed below:

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

You can choose to pay your mortgage using a bill pay service, mailing a check or money order, or by phone.

You may make an escrow deposit of any amount by mail. If your account is current, you can also make an escrow deposit through our pay by phone service or on our website. Fees may apply when making an escrow deposit by phone. 

To pay online, log in to your account on MortgageQuestions.com and click the Payment button at the top of the screen.

If you are sending an escrow deposit by mail, make sure to write the account number on the check and write “Escrow Application" on the memo line. Send the check or money order to:

PHH Mortgage
PO Box 371867
Pittsburgh PA 15250-7867

For overnight mail, send the check or money order to:

PHH Mortgage
Attn: 371867
500 Ross Street 15-0470
Pittsburgh, PA 15250

Learn more in our Escrow Education Center.

Schedule one-time payments online or on the mobile app. It's easy and hassle-free.

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 flexible and could save you money. Learn more and enroll today.	Make one-time monthly payments by logging into your account. Learn more or make a payment today.	Use a bill pay service, pay by check or money order, or call us. Learn more.

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.

When you enroll in Autopay, you don’t need to worry about missing a payment.  You automatically pay your bill from a checking or savings account once-a-month, biweekly or twice-a-month – you choose, and you could save!

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.

If you are having trouble making your monthly mortgage payment, PHH Mortgage can help. There are options available that may allow you to keep your house by making your payments more affordable. 

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.

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

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.

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.

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. 

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

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

Understand how biweekly payments work, and why it might be a great choice for you.

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

How Autopay works and why it's a smart idea.

Learn what’s included in the management of your escrow account.

Find answers to other commonly asked questions about escrow. 

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

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.

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. 
 

If you are not satisfied with any aspect of the servicing of your account, please contact us. 

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

To check the status of your application, contact us.


 

After logging into your account, you can change your email address anytime. Click on Account Management at the top of the screen, then choose Account Settings to update your email address.

If the issue persists, or you are unable to log into your account, our Web Support Team is here to help. Please call us at 1-833-862-0732 for further assistance.
 

If you chose email, double-check that you entered a valid email addres and take a quick look in your Junk or Spam folder - sometimes messages get filtered there. 

If you selected text message, make sure you're using a U.S.-based mobile number that can receive SMS messages. 

Still not working? We're here to help - just reach out to our Web Support Team at 1-833-862-0732.

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. 
 

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. 


 

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
 

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.