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Here you can learn about escrow, what it means and how it works.  You can also check out information like escrow analysis, escrow shortage and overage, taxes and insurance and other commonly asked questions. 

Onity is The Leader in Loss Mitigation!®.  If you are having trouble making your monthly mortgage payment, Onity 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. Onity 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 - Onity 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 has changed its name to Onity Mortgage. 

Our name, Onity, is based on the phrase "we're on it". Onity is pronounced ON-it-ee. 

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: 

Why Onity?
Our name, Onity, is based on the phrase "we're on it". Onity is pronounced ON-it-ee. 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. 

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?
There is nothing for you to do at this time! Our website address and our mobile app are not changing. 

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. 

Is the PHH Mortgage name going away completely?
Yes, the PHH Mortgage name will no longer exist. For a period of time, you may see PHH Mortgage referenced in various communications.

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.

• Note: If you currently make your check payable to your bank or original mortgage provider, no change is needed. 

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.

• Note: If you currently make your check payable to your bank or original mortgage provider, no change is needed. 

How will this change impact my credit reporting?
After our name change officially happens, it may take a few weeks for the credit reporting agencies to update your credit report with our new name, Onity Mortgage. 

How will your name change impact my tax statements?
Your 2026 tax statements will be issued by PHH Mortgage. In 2027, your tax forms will be issued with our new name, Onity Mortgage. 

Will I need to contact my insurance company to update the mortgage company name on my insurance policy?
No, we will work with your insurance carrier to make all updates. 

My account is being reviewed for a release of liability, assumption, modification, etc. Will this review continue?
Yes, your review will continue. Our name change to Onity Mortgage will have no impact on your request. 

I'm on a military allotment. Do I have to do anything?
No, you will not need to follow anything different. 

I authorized someone to transact on my behalf on my account. Do I have to send an updated authorization form?
No, you will not need to update the authorization. 

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.

Are you a new customer? Was your account recently transferred to Onity Mortgage? Regardless if Onity 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 Onity Mortgage as easy as possible.

Onity Mortgage is one of the nation’s largest non-bank mortgage servicers and we are committed to delivering exceptional service. 

Welcome to Onity Mortgage:

 

• April 1st and 2nd - CENLAR

​Which best describes you?

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

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

Welcome to Onity 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. 

Welcome to Onity 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.