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Why is the payoff amount higher than the principal balance?
In addition to the unpaid principal balance, the payoff quote shows the interest due and any outstanding fees and expenses. These may include late charges, tax or insurance advances, recoverable balances, attorney fees, payoff-related fees, etc.
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Once the account is paid in full, when will I receive a refund for my escrow account balance?
After we make any required escrow disbursements, we will refund the remaining escrow balance. We will send the refund check to the mailing address on file. Please allow 20 business days to receive the refund check.
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Once my account is paid in full, when will we get our PMI/Hazard refund?
We will send a check for the PMI or hazard insurance refund to the mailing address on file within 20 days. Please allow additional time for mailing.
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How long before I get my loan documents back after payoff?
We will send the loan documents within 90 days after payoff. 
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Can I request a payoff quote for a date in the future?
Our system can generate a payoff quote with a good-through date up to 30 days in the future. 
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How much coverage do I need for flood insurance?
Flood insurance requirements are established by the Federal Deposit Insurance Corporation (FDIC). 

For specific information about your flood insurance coverage, please contact our Insurance Department directly at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm and Saturday from 8:00 am to 5:00 pm, ET.
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Can we remove the mortgage company name from the loss draft check?
No; PHH Mortgage must be listed on all loss draft checks.
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Do I have to be escrowed for flood insurance?
Flood insurance requirements are established by the Federal Deposit Insurance Corporation (FDIC). 

For specific information about your flood insurance coverage, please contact our Insurance Department directly at 1-888-882-1855. They are available Monday through Friday from 8:00 am to 9:00 pm and Saturday from 8:00 am to 5:00 pm, ET.
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How can I contact PHH Mortgage?
We are committed to providing world-class customer service at your convenience. We welcome your comments and questions regarding our website and our mortgage services.

Visit our Contact Us page to learn more.
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How do I submit a Request for Information or Notice of Error?
If you wish to request information or let us know of an error relating to the servicing of your mortgage loan, please use the address below and include your name, account number, property address and a statement of either the information you are requesting or the error you believe has occurred.

PHH Mortgage
PO Box 24695
West Palm Beach, FL  33416
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