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The Form 1099 may be income received related to your mortgage, debt which was discharged, or another event reportable to the IRS which took place during the year. There are several different types of 1099 forms, but you will only receive a form applicable to you. 

• Form 1099-A (Acquisition or Abandonment of Secured Property): Issued when a foreclosure, or similar event occurs. The IRS requires this form if we acquired an interest in the property or has reason to believe the property was abandoned. 
• Form 1099-C (Cancellation of Debt): Provided when a debt of $600 or more is canceled, forgiven, or discharged. This includes principal forgiveness as part of a loan modification. 
• Form 1099-INT (Interest Income): Issued if your escrow account earned $10 or more in interest during the year. If you didn't receive this form, it may be because:
  • Your earned interest was less than $10, or
  • The interest was paid on or after January 1, in which case it will be reported next year. 
• Form 1099-MISC (Miscellaneous Income): Sent if you received $600 or more in cash benefits during the year. This includes:
  • Payments made to occupants of a property in foreclosure to vacate (e.g., Cash for Keys or relocation assistance), reported in Box 3. 
  • Other payments such as rent, attorney proceeds, or miscellaneous income of $600 ore more. 

You will only receive the form(s) applicable to your specific situation. 

PHH Mortgage Corporation's Taxpayer Identification Number (TIN) is 22-2195996. You may need this number for tax-related documentation or reporting purposes. 
 

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

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

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.

Small Balance Commercial Loans - For payment assistance with small balance commercial loans, call our Commercial Loan Servicing Department at 1-866-672-5706. We are available Monday through Friday, 8:30 am to 7:00 pm ET. 

You can speak with a Customer Service representative in a language other than English, or get a verbal translation of any correspondence.

For New York City customers, translations and descriptions of commonly-used debt collection terms are available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca.

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

You can upload the insurance policy information to our MyCoverage website or email it to MortgageFamily@MyCoverageInfo.com. You can also fax the information to 1-937-525-4210.