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Supplemental tax bills are not part of the real estate taxes, so they are the homeowner's responsibility.  For example, the state of California will only send the supplemental tax bill directly to the homeowner. 

If supplemental taxes become severely delinquent and are considered a threat to our interest in the property, we will pay them as a one-time disbursement from escrow. We will then include the amount we advanced in the next escrow analysis.

Supplemental taxes vary by state and county.

If the account is escrowed for taxes, we pay the amount reported by your taxing authority. Please contact your taxing authority to be sure that they do not request payment during the deferral period.

To request removal of the escrow account, complete this form and return it to us by email or mail. Once we receive your request, we will review and notify you in writing if the account meets the eligibility criteria to have the escrow account removed. Please continue to make the escrow payment until you receive confirmation of the escrow account removal.  Learn more in our Escrow Education Center.

You can request PMI cancellation by:

• Emailing us at customercare@mortgagefamily.com
• Calling us at 1-800-449-8767

Once we receive your request, we will mail you the specific requirements for your account.

Mortgage insurance is required for FHA loans and is referred to as mortgage insurance premium (MIP). MIP protects the mortgage investor if the account becomes past due.

Option 1: Online
Log on to www.mortgagequestions.com to update your mailing address.
 
Option 2: By Mail
Send us a written request.

Option 3: By Phone
Contact our Customer Care Center at 1-877-461-2437.

To close your HELOC, please complete and sign the Authorization to Close Home Equity Line of Credit form and return to the fax or mailing address listed below. Once your account is paid in full and closed, we will automatically process a lien release.

A request to release the lien is not required, but you can send one by email, fax or mail:

Email: CustomerCare@MortgageFamily.com

Fax: 856-917-2700

Mail:
PHH Mortgage
PO Box 24736
Attn: SV24
West Palm Beach, FL 33416

A Home Equity Line of Credit (HELOC) cannot be placed into a Revocable Living Trust because it is an open-ended mortgage. Only mortgages that do not have the capability of obtaining cash advances may qualify.

To submit a request for a copy of a cancelled check, email your request to Research@MortgageFamily.com. You may also submit a signed request by mail to:

PHH Mortgage
Attn: Research Department
P.O. Box 24736
West Palm Beach, FL 33416-4736

Please allow 10 business days for us to process your request.