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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.

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.

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.

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.