The IRS Form 1098, Mortgage Interest Statement, is used to report mortgage interest of $600 or more on any one mortgage during the calendar year.

An escrow account is money we set aside to pay expenses related to your mortgage, like property taxes and homeowner's insurance. We break these expenses into monthly installments and add them to your mortgage payment. When your property tax and insurance bills are due, we pay them on your behalf from your escrow account.  Learn more in our Escrow Education Center.

The Real Estate Settlement Procedures Act (RESPA) is a federal law that dictates how lenders establish and maintain escrow accounts. Some states also have escrow account regulations for homeowners in the state. If your state does not have its own regulations, your escrow account is governed by RESPA. Learn more in our Escrow Education Center.

You may make an escrow deposit of any amount by mail. If your account is current, you can also make an escrow deposit through our pay by phone service or on our website. Fees may apply when making an escrow deposit by phone or online. 

To pay online, log in to your account on MortgageQuestions.com and click the Payment button at the top of the screen.

If you are sending an escrow deposit by mail, make sure to write the account number on the check and write “Escrow Application" on the memo line. Send the check or money order to:

PHH Mortgage Services
PO Box 371867
Pittsburgh PA 15250-7867

For overnight mail, send the check or money order to:

PHH Mortgage Services
Attn: 371867
500 Ross Street 15-0470
Pittsburgh, PA 15250

Learn more in our Escrow Education Center.

If the account is current and not in bankruptcy at the time of the analysis and the surplus is less than $49.00, we use the surplus to lower the monthly escrow payment. If the surplus is $49.00 or more, we refund the surplus. We will send a check within 30 days of completing the escrow analysis.

If the account is in bankrupty or is not current at the time of the analysis, the surplus stays in the escrow account until the next escrow analysis. Learn more in our Escrow Education Center.

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. Learn more in our Escrow Education Center.

You have a few options to request a payoff quote. Once we receive your request, we will generate the payoff quote and send it to you by fax or mail within four business days. You may be assessed a payoff quote fee of $30.

Option 1: Online
Log in to your account on MortgageQuestions.com and click Payment at the top of the screen. In the "Loan Payoff" box, click View Payoff Quote. Click CONTINUE to submit the payoff quote request.

Option 2: In Writing
You can send us a written request for a payoff quote. Include the date you would like the quote to be good through. You can send the request by email to payoffs@mortgagefamily.com or by fax to 1-856-917-8283.

Option 3: By Phone
To request a payoff quote through our automated phone system or with one of our agents, call us at 1-800-449-8767.

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.

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.