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How do I order a payoff quote?
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.
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Is there a fee to request a payoff quote?
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.
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Homeowners Insurance Tips
Recent insurance company cost increases may impact homeowners with properties in certain states. Learn more on how to take action when costs surge.
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Frequently Asked Questions
Learn more about homeowners' assistance options If a financial hardship is affecting your ability to make your mortgage payments.
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What do I do if I'm having difficulty paying my mortgage?
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.
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Contact Us
Have questions? Use our secure email form to Contact Us. 
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Contact Us Content

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.

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CCPA Form
Submit a verified consumer request for your Right to Know or Right to Delete. 
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I am a veteran. Can I deduct my mortgage payments from my VA disability compensation or pension?
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.
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My Mortgage Was Opened with PHH Mortgage
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. 
 
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Can I do a partial release of land on my Equity Account?
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.
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What is an Adjustable-Rate Mortgage (ARM) loan?
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.
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What happens at the Balloon Maturity Date?
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.
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How will filing bankruptcy impact credit reporting?
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.
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Why aren’t you reporting my mortgage to the credit bureaus after I receive a bankruptcy discharge?
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.
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How will a bankruptcy discharge affect my monthly account statements?
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.
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Is there a personal obligation to repay the amount owed after I receive a chapter 7 discharge?
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.
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Can I still apply for a modification after a bankruptcy discharge?
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.
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Does bankruptcy affect second mortgages?
Yes. All of the above information regarding discharge and the lien status applies to both first and second mortgage accounts.
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What happens after the introductory period on an Adjustable-Rate Mortgage (ARM) loan?
After the introductory period, the new interest rate is calculated based on the terms outlined in the Note. 
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What is a Recast or re-amortization?
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. 
 
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What is a buydown mortgage?
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.
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About Us

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 
PHH Mortgage is a multi-year award winner of Fannie and Freddie awards and has a HUD Tier 1 Ranking. Fannie Mae STAR Performer 2021 – 2024. Freddie Mac SHARP Awards Program 2020-2024. Approved by Federal Housing Commissioner. Approved Lending Institution. U.S. Department of Housing and Urban Development. PHH is not acting on behalf of or at the direction of HUD/FHA or the Federal government.
  • 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

4.8 out of 5 Average Apple Store Review


4.6 out of 5 Google Play Store Review

 




Careers

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

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Welcome AmeriHome Customers
If you received notice that your loan is being transferred to PHH Mortgage by AmeriHome on September 1st, 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.
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Welcome The Federal Savings Bank Customers
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.
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Welcome American Pacific Mortgage Corporation Customers
If you received notice that your loan is being transferred to PHH Mortgage by American Pacific Mortgage Corporation on August 1st, 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.
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October 3rd - Welcome Finance of America Mortgage Customers
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.
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May 1st - Welcome Nations Direct Mortgage, LLC Customers
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.
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May 1st - Welcome Canopy Mortgage, LLC Customers
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.
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May 2nd - Welcome Nations Direct Mortgage, LLC Customers
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.
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June 1st - Welcome Nations Direct Mortgage, LLC Customers
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.
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June 1st - Welcome ResiCentral, LLC Customers
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.
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June 4th - Welcome Nations Direct Mortgage, LLC Customers
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.
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March 1st - Welcome SecurityNational Mortgage Company Customers
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.
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March 1st - Welcome First State Bank of St. Charles, MO Customers
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.
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April 1st - Welcome SecurityNational Mortgage Company Customers
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.
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New Customers

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:

​Which best describes you?

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My Mortgage Was Transferred to PHH Mortgage
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.
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Ways to Pay

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

Icon_Autopay-(1).jpg Icon_Online-(1).jpg

 

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.

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Ways to Pay
We offer multiple flexible ways to make your payment - choose the one that's right for you.
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Upgrade Your Online Experience
We delight our customers with caring service and innovative home-ownership solutions. Upgrade your online experience in 3 easy steps! 
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Transfer FAQs
Find answers to frequently asked questions about mortgage transfers.
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Online Account Setup
Take advantage of these helpful services to better manage your account.
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Mobile App
Introducing our newly redesigned MQ.com Mobile App – Managing your account on the go has never been easier!
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Disaster Assistance
PHH Mortgage and its employees are here to help as you recover from the devastation caused by the recent hurricanes.
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Paperless
When you choose to go paperless, you can access 36 months of account history anytime.
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Taxes and Year-End
Learn more about when you'll receive your Form 1098 or refer to the Taxes and Year-End Frequently Asked Questions for more details. 
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Understanding Escrow
An escrow account is money set aside from your monthly mortgage payment to pay expenses related to property taxes and insurance. 
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Alerts
Once you register online or download the mobile app, set up alerts to be in the know about your account.
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Trouble Accessing Documents?
Understand how to access PDF documents from our website on various devices. 
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Onity Mortgage - FAQs
We are excited to announce that PHH Mortgage will be changing its name to Onity Mortgage. 
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Understanding Fees and How to Avoid Them
Understanding fees and how to avoid them. 
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