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A loan transfer typically won't hurt your credit score - as long as you continue to make payments on time. Your loan terms and payment history stay the same.

You might notice a small temporary dip in your score due to how credit reporting systems handle the transition (closing the old account and opening a new one). This is normal and your score should bounce back once the new loan is reported consistently.

No, there are no fees associated with the transfer of your loan servicing. This process is completely free for you.

You’ll receive a welcome letter from your new servicer that includes the official transfer date and all the important contact details. This letter confirms that your loan has been successfully transferred and provides everything you need to get started.

No need to worry – we’ll take care of that for you. Your insurance carrier will be notified of the change automatically.

If you use a bill pay service to make your mortgage payments, you’ll need to update the payee information to make sure your payments go to the right place. Be sure to include your new PHH Mortgage account number.

You can find your account number by:

• Logging into your online account (once registered)
• Checking your Service Transfer Notice
• Reviewing your first monthly statement

Updated Payee Information:
PHH Mortgage
P.O. Box 660093
Dallas, TX 75266-0093

Once updated, your payments will continue smoothly. If you need help, we’re here for you!

Review up to two years of your payment history antime. It's all there, organized for you, giving you immediate access to past transactions.

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