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Depending on the account characteristics, a payoff quote fee of up to $30 may be applied to Residential Loans, and up to $50 for Commercial Loans, as permitted by state law. If the fee applies, it will be included in the payoff quote.

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.

Our system can generate a payoff quote with a good-through date up to 30 days in the future. 

If you send additional payoff funds, we will send a check for the overage to the mailing address on file within 20 days. Please allow additional time for mailing.

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. A payoff quote fee of up to $30 may be applied to Residential Loans, and up to $50 for Commercial Loans, as permitted by state law. 

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 order to obtain a payoff statement on a Home Equity Line of Credit (HELOC) account, all required borrowers must complete and return the Authorization to Close Out form. This form can be faxed to 1-856-917-2700 or mailed to:

PHH Mortgage
PO Box 24736
ATTN: SV24
West Palm Beach, FL 33416.

Upon receipt of the completed Authorization to Close Form, a payoff statement will be issued within 4 business days.

We will send the loan documents within 90 days after payoff. 

Review the applicable payoff quote fees for your state. 

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The form might look different because Box 1 Mortgage Interest Received from Payer(s)/Borrower(s) is the mortgage interest amount received from the payer of record during the tax year and includes interest and late charges.  This box would not include prepaid interest or any Homeowner Assistance Funds (HAF) funds applied to interest.  If the loan originated during the referenced tax year, Box 1 would include Closing Interest Paid, negative amortization (deferred interest) paid, shared appreciation amounts, default interest paid, prepayment penalties, and balloon payoff fees. 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.