Onity Mortgage Reviews

Wish I would have seen these reviews before getting PHH mortgage. They are AWFUL! Customer service and management is unprofessional, not knowledgeable, giving out wrong info. We had to go through a financial difficult time and asked for financial assistance. Not just did it take them 2 month to make a decision, in that time frame they repeatedly asked for the same docs again, just to make the process take even longer. We have only one income. Had to pay for two mortgages because our tenant stopped paying and we had to evict them, we have kids and yet, they declined giving us mortgage assistance for the home we live in.

AVOID THIS MORTGAGE COMPANY AT ALL COSTS! I (unfortunately) have two mortgages with this company, both of which were sold to PHH! I'm not considered "late" until after the 16th of each month. My credit score is 838, yet they continually call me incessantly, expecting me to pay both mortgages by the 1st, which won't happen! I just made my second mortgage payment last night (the 12th), and they called me on the 13th, asking where my payment is! And 1) Why doesn't he see that on his end in the system, and 2) It's not the 16th yet! Everyone that works there are foreigners with extremely heavy accents!! STAY AWAY FROM THIS COMPANY! HORRIBLE!!!

On September 8, 2025, I received an invoice for renewal of my commercial property insurance, which is to be paid by my mortgage company. Despite repeated reminders, the payment was not made by the due date. Your representatives repeatedly gave me false information, including claims that the payment was “pending” and later “overnighted” on September 25. After several follow-ups, I was finally told the truth: no payment had been made at all.

My Zillow loan experience has not been as pleasant as it could have been. My loan went through PHH Mortgage. I made my Oct 1 payment early so I could set up Biweekly payments. My loan was sold to Shellpoint mortgage. The payment that was initially applied to my account was reversed. I was notified of the change in Lenders. I was not notified of the reversal. The new lender knew nothing of the early payment. My call today reveled the reversed payment was USPS mailed to the new lender. "Don't Worry" my payment is due in 2 days! Unacceptable. Nothing in writing/email was given only hearsay that the "check is in the mail". A big mistake for me to go with Zillow Loans/PHH Mortgage. I will not again.

PHH Mortgage is the worst. They never took a lien off the title of my home when the loan was paid off in 2001 (It's now 2025). This came up when I was selling my home and a title search was done. Now the part where they are the worst. There is no phone number for the Lien Release department. Only an email address. And it took 3 weeks for them to reply that I didn't own them any money and they would send a release to the town. They said that would take another month. This is not acceptable and they should have a phone number and someone to talk to. They didn't do their Job in 2021 and they were not responsive in 2025. I would rate them a zero, but that is not allow.

The original loan was with Sierra Pacific Mortgage. I received an email that had the Sierra Pacific Mortgage logo at the top, and then I used their online portal to sign up for my online account. The top left of the account clearly showed Sierra Pacific Mortgage, with no mention of PHH. I signed up for auto debit and digital statements, and I was under the impression that everything was handled correctly.

Phh has the worst customer service, along with no transparency. They make everything a hassle and refuse to answer questions. Every question I ask takes multiple holds on the phone for the representative to go ask. They couldn't even tell me my grace period. I was told multiple times I could not set up biweekly payments and their escalation supervisors are worthless.

Updated on 08/26/2025: Still waiting on a response from an account we have been trying to settle for five years. Customer services is hands down the worst. Do yourself a favor and stay far away from this predatory company.

My brother passed in December of 24'. He had no will/trust. He had a reverse mortgage w/ PHH. I contacted PHH in early January '25 to advise them he had passed and asked what I needed to do. They would not speak to me. I did fax death certificate Jan. '25. I was appointed administrator of his estate through the probate court. I called them again, they would not speak to me until they had court letters. I faxed same 4/1/25. At no time was informed of the rules when someone dies and has a reverse mortgage. I did not receive a letter of demand. Luckily home was put up for sale in June '25. When an offer was accepted, PHH would not speak to title company. I had to call for the payoff. Staff is rude. PHH filed default paperwork 7/17/25. When contacted, they were rude and unfeeling as to this situation. Luckily the home is old as of today 8/15/25. DO NOT DO BUSINESS WITH PHH.

Robin ** from PHH worse loan officer ever in my life talked to. She is very unprofessional. Wouldn’t recommend. All these loan people steal from the elderly. People should be ashamed of themselves. How could they go to sleep at night taking advantage of elderly people. Shame on you Robin **.

They over paid my homeowners insurance by 6000. Now my escrow is totally messed up. 😡😡😡😡😡😡😡😡😡. The customer service sounds like it’s outsourced to India, I can’t believe loan depot transferred my loan to this company.

Updated on 08/02/2025: PHH Mortgage once again is being fraudulent. I wrote the review. On shame they emailed me stating to call them to try and fix the matter. They said they never emailed me no such matter. See proof. So once again phh mortgage breaking more federal laws and now FCC laws.

If possible stay clear. We did not select PHH as our mortgage servicer. Our loan was sold to PHH. For 2 years all payments were on time until something changed with the escrow. We attempted several times to contact them (the hours on the recording and mortgage statement do not match). The automated system states the information entered is incorrect (despite in being correct). The online dashboard and mortgage statement do not match and we could not reach anyone. We have multiple homes with other mortgage companies and PHH is the worse mortgage company we've ever dealt with. Hidden fees ($3,000) that cannot be explained, piled up late charges, inaccurate mortgage statements, placed our home in foreclosure... Has yet to respond to our email.

This premeditated move to use third world countries as loan servicing companies is only a subversive measure by our International Financial and insurance carriers to mislead the motivation towards Globalization. Third world countries do not know Real Estate Law and unfortunately are sub standard loan agents? I also am a victim of PHH malpractice. But why? PHH is used it to rake the country for low interest loans Aided by Banks who sell to confuse , while time delay payment misuse or other leads to prompt default or foreclosure. Why do I have to call the Philippines when I live in San Clemente CA. For my loan information. Although seems convenient plus more profitable for the financial sector services like insurance for one! Less labor cost! Remember the Tarp Articles banks bailed each other out without a cap.?

Not happy at all. My mother had a loan from this company, and she has passed 3 months ago. They are foreclosing on the loan and I'm trying my best to do right by mom and company in resolving the loan. I have called twice this week for a payoff and was told since I wasn't on the loan to send them the information they needed. I send them the information and now they tell me I have to wait for another 5 days for them to give it to me. This is leaving me in limbo, having to wait 5 days when they could tell me over the phone so I can pass the information on to the attorney while waiting for the letter. Especially on a cash offer. They need to figure out how to help the person who's trying to do right for both sides.

It has been a mixed bag with PHH. When talking with the US operations I found knowledgeable and helpful people. Unfortunately, the same cannot be said for the insurance department. My last go round with that department took nine+ phone calls and a slew of documentation and I ended up calling the US operations to complain because no matter what was sent it wasn't enough. Look, a COI is a COI and these insurance companies know what they are doing; PHH Insurance DOES NOT (and they are hard to understand). PHH reviewed the insurance (condo and HOA proof of insurance) and they had found that I had done everything correctly but I simply could not convince the insurance department that such was the case. Wildly frustrating...

A year ago, I came over to PHH as an inflight modification. Payments under my new modification with previous servicer was at a manageable $1500. PHH failed to process this modification in a timely and professional manner, causing a total of 3 modification packages resulting in a new, over $2000.00 mortgage note. None of the modification applications or processes were the same with PHH throughout these modifications. I wish I could choose another servicer and never come across this one.

PHH customers data is not safe, as one of the contact centre located in Bangalore, India, named “Teleperformance” give employees option to work from home, coz they cannot afford an office space as this is a small process for them. Their other processes, employees work from office. PHH customer resolution agents have complete access to customer’s complete name, property and mailing address, complete social security number, email, phone number, complete bank account, routing number along with the bank name. What Else is required? We are not talking about hacking. We are talking about hundreds of people having access to all these information at their fingertips.

This company and its employees are inefficient and lack knowledge. There is no communication between individuals so nothing gets done and they repeatedly have to be told what to do and what’s going on.

I tried loan modification 3 times... PHH failed to tell me I needed 3 copies the first 2 times. The 3rd time I got the 3 copies.. They still denied me because they said my notary forgot to add my middle initial, I have asked for proof they have been giving me the runaround. I have taken the necessary steps to resolve this issue. I have my grandkids that I am raising, my son passed away in January... PHH doesn't seem to care about kicking 3 kids to the curb like trash. I have been in this home for almost 20 years. I had no choice on this mortgage company, the first one sold it before I could make the first payment.

My mortgage was sold to these guys with me having no say in the matter. I have a fixed interest rate, a ytd positive escrow balance and my minimum payment has now gone up by nearly $300 a month. I also am now required to pay a few just to make my monthly payment. This is a joke. When I signed my mortgage one of the things I made clear was that there were no fees to make a payment which was the case the first 3 years of payments with the other company. If you have any choice, do not choose these guys.

For the past 2 years, PHH Mortgage has stopped paying part of the taxes on our house. For the past 10-15 years or more, they paid all the taxes out of our Escrow. For some reason, something happened but the agents on the phone can't explain why that caused them to only pay part of the taxes. It had nothing to do with the Escrow either because it had money in there. So I sent the bill 2 years ago and they swore they'd get it paid. They, so on April 15th, I had to pay it. PHH was kind enough to come through and issue a refund. Same thing happened again this year where they didn't pay part of the taxes. I send the bill in November and get told they'll pay it. By March, no payment. I inquired again, send the bill again because their agents they didn't receive it even though the previous agent in November told me they did.

We are trying to get remodification on our home of 48 years. My husband has been very sick and he could not work. We filed chapter 13 but it was too much to pay both mortgage and trusties 5300.00 a month both but we could afford to pay just mortgage. They turned us down. We have nowhere to go if they foreclose on us. We cannot even talk to a representative. The people that answer the phone just don't get anything right. They turned us down without filing a application.

Been dealing w/ a modification for 2+ mos. Modification accepted, pd first payment. PHH sent docs to correct errors on their end, overnighted docs by the date on the doc, denied out of the blue, said it wasn't there in time. We have the UPS proof of delivery that they received it on time. They dropped the ball and now we're starting over with new docs and after 15+calls because, they misspelled my name, no call or resolution. Was supposed to receive a call today, no call again. New documents are due by 4/15. Asked for corporate office, they won't give out the number. Very irate at the moment. Worst experience ever!!! I've been in customer service for almost 40 years. Worst customer service team I've ever dealt with!

I fell behind and I am trying to find a way to keep my house, they are refusing to work with me so they will be kicking a 71 year old widow out to live in her car soon. The people on the phone act like they have better things to do than help you and try to hurry off the phone

The reason I looked up the reviews was to see how many other customers had experienced the same issues I have. My loan began around 2005 for approximately $60,000 or less when I recovered my childhood home for my parents, both of whom are now deceased. Over the years, I’ve noticed my monthly payments have increased from $635 to nearly $1,000 per month. Despite making payments on time, the escrow account is consistently negative, and only a small portion of my payments goes toward the principal. After nearly 20 years, the principal balance is still around $30,000 or more. I am completely baffled.

Horrible service. My insurance, according to PHH did not meet their standards. I was asked to find another company, which I did. After getting the insurance, I received a letter advising, the insurance needed to be back dated to 1/21/25 or I'd be charged 158.00. At no time did the agent I spoke to initially advise of back dating. Nevertheless, agents are incompetent and you get the run around. Plus their English is difficult to understand and they get annoyed when asked to repeat themselves.

Well after reading their reviews it looks like everyone has the same issue. I applied to have my house payment in deferral for 3 months due to a divorce for Sept, Oct, and Nov. I received the deferral letter approval in November and I was told my deferral balance would roll to the end of my of my loan and I would resume my new monthly payments. Well that was a lie and I have been trying to deal with this giant circle jerk ever since.

Worst customer service!!! Please Google this company and read all the reviews.... They really suck. When you call there you are directed offshore. Very sad... Nobody knows how to handle customer service.

Honestly, these people are either breaking the law or they are walking the fine line of doing so. This company does not believe in giving their customers multiple payment options. It always seems to be more of an issue when they change their name. They have had 4 name changes. The customer service is non-existent and their representatives are liars.

I have called over and over and no resolution and now my home is foreclosure. I have payment and they are refusing to take and constantly giving me the run around. They offered mortgage assistance, made me fill out a form and send in documents just for no update after weeks and then they tell me, I have to do it all over again. I have requested a call from the supervisor, and we are going on day 5 and no callback has been received.

Their autopay started failing and kept on charging me late fees for their own system errors. Customer service keeps on denying fault when there is clearly a bug in their software. PHH Mortgage needs to exercise more integrity and stop cheating their customers. And yes, fix their bugs also.

PHH violates the law in multiple ways. They are the worst mortgage servicer in the nation. They keep changing their name to avoid litigation and law. They were once Ocwen, now PHH, New Rez, and now they are changing to Onity. The Relationship manager is never available (Gabriel **), never answers the phone nor returns promised phone calls. They use foreign call centers with people who can barely understand, let alone speak English. They make promises to call and deal with issues, but never call you. Anyone would be crazy to have a mortgage with them.

Worst ever. They are criminals masquerading as mortgage servicers. DO NOT GIVE THEM YOUR BUSINESS. Bankrupting my poor mother all the while gaslighting and deceiving her. They are inhuman monsters. RUN!

I rarely write a review online but it seems this is uncontrollable anymore. If there is a 0 rating for them or negative rating I would give them. My previous lender sold my loan to PHH and then from the first day a problem occurred already. They are claiming that they did not got my payment but my bank manager told me they got it. The issue last until present still they haven’t resolve. It’s been 3 months I called them every week to follow and able to escalate to their escalation manager the same so I can’t wait to be refinanced so that I could get out from this horrible experience with this lender.

PHH of the four mortgage companies that have had my house, I have never had such a terrible experience, such poor management of my escrow funds, nor have I ever had such poor customer service, rude, indecent, contemptuous and sarcastic as the agent. PHH agent code ** if I remember correctly his name Alvin. These people took money from my funds and sent it to the wrong insurance account and now they don't want to take responsibility and return it.

As many have said here.. customer service does not exist. If this company really cared… they would recognize these reviews and change this terrible experience we have with PHH Mortgage. They have a call line offshore in India. The people on that line only speak a script, say they’ll call back with answers and never do. It is up to you to follow up and then it’s the insane cycle again and you get nowhere. When I refinanced, PHH bought the loan. It is a horrible company to represent you.

Absolutely horrible company. I recently had new flood plain maps drawn from FEMA showing that my property no longer requires flood insurance. I submitted these document to PHH via their worthless website where you are suppose to upload such documents. A few days later, after speaking with the flood insurance company and submitting the same documents to them and they validated that the property no longer required insurance, I called PHH to confirm that they received the documents and would update their records.

I would say as far away from this mortgage company. As you can period I paid off my mortgage. They were supposed to send me x amount. They took $2500 more and it's. I will never see that money and it's not right. It's not worth fighting over and get an attorney. Stay far far away

- [ ] I’m a Mortgage Loan Holder since 2021. We are selling our property, and called ahead to inquire if our loan was assumable for a potential seller. They would not give me any details aside from this, just that it was without submitting a formal name and application for the Formal Assumption. They clearly told me that it was. After a potential buyer put an offer in, PHH then told me that they were submitting an application once I called in with the name. A week and a half later, I called to inquire on where the mailed paperwork was, and they told me two excuses, one being that it must be a family member, even though they won’t show me in writing disclosed previously where this is stated in my policy that I had prior to the application.

I currently have a tax lien on my property because PHH Mortgage refuses to pay the property taxes on my property. I’ve been calling and emailing since Jan there has been no resolution. I’m worried, stressed and anxious because I never thought someone who pays the bills on time would lose their home after making on time payments every month and keeping my mortgage. I wish I never had anything to do with this company and it willl be a relief when my account gets sold to a reputable company. Their good gel reviews are even worse this has been an ongoing problem and the fact they’re has been no resolution is ridiculous. I wish there was a zero stars button. They don’t deserve a one

My insurance premium for 2023 was unpaid by PHH after they got 5 copies of the invoice over 1 1/2 months. 3 days after the policy expired one of their supervisors told me to "send the invoice again and they would open the email the next day and look into paying it." I had to pay it myself. It took a month to get half reimbursed then another month to get the rest. Since I had to come up with over $2,000 myself I informed them we were going to do a 3-month deferment with those payments due at the end of the loan term. They approved that after a couple months of lies about how that was not a thing. After the 3 month deferment I went back to paying on time and in full as always and they started sending me collection letters saying I was 3-5 months behind. In December 2023 I got the invoice for the policy renewal and sent it to them. I told them to pay it ASAP. They said they wouldn't pay until the Jan 15th due date.

We had a reverse mortgage with PPH for almost 10 years. Throughout the loan, it was always very difficult to get to information either online or over the phone. After substantial changes in the interest rates, the interest was now eating up the credit and equity in our home so we decided to pay it off. It has now been over 45 days since they received the payment... They will not provide the final statement of accounting, the original note of instrument, the note marked paid, or a refund of our overpayment. Phone call after phone call just gets "We don't have to pay refunds, just check back next week for whatever else you are looking for." They say there is no access for customers to the payoff department, none of the customer service reps have anyone else they can ask or have no supervisors. A complaint is filed with our state Department of Finance and the Attorney General's Office at this point and we still have none of the legally required documents.

In December 2023, I received notification that a tax lien had been purchased on my home due to an outstanding property tax payment. I contacted PHH on three separate occasions and every representative confirmed the taxes had been paid for 2023, 2022, and 2021 and further back. I called my county tax office and learned the second payment for 2022 was returned because PHH made it using a check and the tax office only accepts wire transfers (which is how the payments had previously been made). The county tax rep urged me to pay the attorney to release the lien and pay the outstanding tax bill if I was able because the attorney could start foreclosure proceedings because I was outside of the 4 month timeframe where the bill could be settled without additional steps being taken.

PHH makes me want to puke!! I hope when they all die they are locked out of God's home for what they have done to so many people just to get richer! Go to hell all of PHH mortgage workers. You all deserve a special place in hell! They lie, they cheat, they act like they are working on your problem. You pay and pay and they don't apply your payments. You show proof you paid and they are going to fix it but they DON'T and never planned on it! I'm like a wild maniac when I hear PHH for what they have done to so many people. Cheat! THIEVES! Fraud! Liars! They destroy lives and don't bat an eye! They kill dreams and sleep well at night. If you read this and think all these people must've missed payments or something and they deserved it THINK AGAIN!!!! NOT SO.

Good morning, I have been "**" around for years by PHH, Ocwen, whatever they call themselves these day. I have a condo in Florida and basically they have added $120,000 to the end of my loan. I paid $344,500 for it in 2008 and put $70,000 down. I mortgaged about $275K and during the housing crisis, I did a loan modification and was paying interest only for 10 years. Now, I still owe $260k on the condo and a whopping $120,000 at the end of the loan. After living here 15 years, I actually owe more than I paid for the condo in 2008, not to mention the money I have paid my mortgage. I am hoping to speak to one of the attorneys to discuss my options. I can be reached at **. Thank you, Lynn

Do not choose to do business with this company. I didn’t choose them. My mortgage was sold to them. A water pipe burst in my home over 5 months ago, which caused over $100,000 of damage. My insurance company has been great, but as they release claim checks to get my home repaired, they have to include PHH as a co-payee.

Avoid PHH at all costs. We did a loan modification and they reported us to the credit companies for nonpayment even though we made the modified payment on time. Our collective credit scores dropped almost 250 points in a single day. Talking to someone who does not have an accent is impossible. I was told to email my concerns (in a PDF form), which I have done several times. I spoke to my lawyer who said they need to do a rapid rescore on our behalf. I have not heard back from PHH and it has been over a month. Absolutely awful experience.

Had mortgage for years. First issue is they keep changing loan servicers. Hard to keep up. Reps on phone are mostly rude and unknowledgeable. Spend most time reading scripts to protect them. Recently got behind 1 payment due to illness. Long story short, eventual 2nd payment plan is mathematically incorrect. Would have us pay 8 payments over 6 months. It is simple math. We are elderly, the time and trouble trying to correct this error has stressed us. Recently advised by nonprofit law firm to file a ‘Notice of Error”. Stay away if possible.

ABSOLUTELY HORRIBLE! We refinanced with PPH Mortgage and ever since we completed the refinanced, it has been a nightmare. We attempted to un-escrow our taxes as we did not sign anything at closing that said we needed to keep our taxes escrowed. We got declined because it was a "commercial loan". Okay, we let it go because "it is what it is". Well, it's school tax time and on the 4 properties we have in our portfolio loan, only ONE got paid on time. The 3 others still have not been paid (due 8/31/23 & 9/15/23). I have called numerous times and attempted to email and call my loan specialist Kimberley ** and she refuses to contact me back. I have multiple emails of me reaching out, asking when my taxes will be paid and nothing in response. I have called and spoke with other reps and they "chat" over to her and she will make comments saying "I will call her today" and NEVER does.

My mortgage was sold to PHH and I have been unhappy since. They are paying taxes on a lot next to my house. Not where my home is. This cost me almost 3000.00 from the state for taxes not paid. Dumb.

The service at PHH is beyond awful. PHH did not pay our 2022 taxes, despite me contacting them in November 2022. It was months into 2023 before they paid part of them and they still have not completed paying them. I contact them multiple times a week since May 2023 and all I get is "We are 'researching' it" despite me sending them all of the documentation. Now, I have to deal with our township threatening to place a lien on the home and not provide vital services. All because PHH is horrible at what they do. They have also been unable to confirm that any late and lawyer fees have not been deducted from escrow account. Overall it has been a horrible experience and we will be refinancing as soon as we can to get away from them.

It started just recently on the May payment. They have not applied the payment even though they have received the payment within the grace period in the contract. I have spoken with a customer rep from PHH one time on May 17th. Nothing discussed on the phone has been followed through on. I believe they are trying to blatantly push this loan into default through no fault of my own. I believe they are in retaliation over a review written on another site. They don’t listen well and I can hardly understand them with their heavy accent. I believe they do this to make it hard to record them. I have received my Return Receipt certified green card back showing it was delivered. This was explained to PHH rep.

They don't respond to the 20 letters of request for detailed information. 5 years later and nothing! No agency can help put a stop to their insane way of accounting. They can't even explain it. Only more charges and more charges. The loan is now more than it was originally and they can't explain why. Who regulates them?

I wish I could give them 10 stars. I’ve been doing business with PHH and its predecessor for over 8 years. I must admit when PHH purchased RMS back in 2021 I was more than a little apprehensive regarding the change of ownership. My wife and I had enjoyed such a great relationship with RMS for over 6 years and now we were dealing with the Covid nightmare. Being in our late seventies we were under a load of stress dealing with some serious health issues. To make things even worse our income was abruptly turned upside down 2 years ago thanks to the Covid pandemic. Even dealing with typical expenses like property taxes and insurance was a challenge. However, I am very excited to report that PHH knocked themselves out to get us through the Covid crisis.

The run around I have received from PHH has been unbelievable. To be honest it started out great! My original loan was "sold" to PHH with no problems. When COVID hit I lost my job and reached out to PHH to see what is and isn't possible. They offered me an extensions, with the ability to "modify" my loan...I WAS very pleased! Then the drama started, I had to sign documents that confirmed I had in fact been approved for the modification...and I sent in a notarized copy.

In August 2022 I called PHH asking if they had bi-weekly payments. I was told that they did, at first the agent said I couldn't be set up on it if I had automatic bank draft turned on, but then he came back and said I could. They sent me the paperwork to fill out. I completed the paperwork and faxed it back in at the end of August. I received a letter that was confusing about a week later. It didn’t say if I was approved, it didn’t say when payments would start, but it mentioned making a manual payment which was confusing since I was on automatic bank draft.

We obtained a mortgage from another lender and it was sold to PHH. I have read the state rules for dropping PMI and we have met them- having the legal amount of equity from our routine payments alone. On top of that, I forwarded PHH invoices for improvements (new windows in the whole home, new kitchen appliances- both totaling $80,000 for a measly 230,000 mortgage). Still, they want to milk me for $150 to hire their appraiser to come appraise our home. My mortgage is now about 15% of the value of our home- one only needs to see a photo to tell the improvements yet they want me to pay their biased appraiser. It’s just another money grab when my closing docs with the original mortgager said nothing of fees to remove fees! Go to United Mortgage, Rocket Mortgage, 5/3 bank- options are nearly limitless! This place is a money grab.

Got it sent today. Thank you.

Worst experience I've ever had in getting a home loan. They misrepresented information in emails - ended up going back and saying we needed to come up with $4,000 more in closing costs which we couldn't afford, would not release the appraisal we paid over $700 for - and ended up with a lender who said that their fees and costs were insane. We ended up closing for over $5,000 less than PHH's first agreement. Run away from them.

My experience overall with PHH has be awful but in particular cancelling PMI has be extremely frustrating. With the market so high, we submitted a request for a valuation at exactly our 2 year mark of our mortgage because we were sure the appraisal would be over what was needed to cancel PMI. They sent the form (surprisingly based on other reviews), we sent it back, they cashed our check, a few weeks later we were finally contacted by a broker to come by for a BPO. He confirmed he sent it on 7/14 and we also confirmed it was over the minimum amount we needed.

They purchased our loan from a local Texas lender that we refinanced with and did not recognize the over-65 property tax deferment available in the state of Texas. We sent them homestead documentation, a copy of the tax stature, and numerous letters, to no avail. Then, they suddenly paid our "back" property taxes without warning. They sent us a letter stating that if the funds were not repaid to them within 30 days, they would add an escrow account to our monthly payment, raising it to some unheard-of amount.

It has been two months of trying to get my home appraised in order to get my PMI removed and I have yet to even have my house scheduled for an appraisal. PHH will cash your $150 check right away for the appraisal but refuse to give you any answers after that. Customer service escalated my case 3 weeks ago and I have yet to even get a phone call from them.

I was recently approved for a loan modification due to the pandemic. PHH extended my loan for 37 more years at $803 monthly. I only owe $87k and also added a balloon payment of $14k at the end. My initial loan was for 30 years and I have 11 years left. I’m not understanding how I will be paying nearly 60 years on a loan. They were supposed to help doing the pandemic but it looks like they were setting me up for failure. Please make this make sense.

PHH Mortgage Co. has mishandled an insurance check we forwarded to them for endorsement so we could proceed with final repairs to our home damaged by the freeze in Tx. occurring in Feb. 2021. The insurance division of the mortgage PHH, to date, has still not returned our Liberty Mutual insurance check in more than 40K to us with their endorsement so we can proceed with repairs to our home. I have never dealt with a mortgage company like this when needed repairs to our home could not be done because they held the insurance check hostage. After numerous calls to in mortgage company, they finally told me they had no idea where the check was and I would have to go to Liberty Mutual and ask them to send another check.

I contacted this company on behalf of one of my elderly clients. He has a mortgage with PHH and received an insurance check. The check must be forwarded to the mortgage company for processing and I agreed to do this for him because he is elderly. I spent 15 minutes of my time repeatedly explaining I don’t have specific loan information nor do I want specific loan information regarding My client's account with PHH. I simply need a physical mailing address instead of the PO Box they had previously Provided. I continually explained that each time a person picked up the phone, yet was sent down a rabbit hole repeatedly to end up with the same result on each occasion. The information I requested was basic and not specific to anyone’s account. This was either too tough for the representative to understand, or they simply didn’t care. Based upon this experience, I would never consider working with them!

I was contacted by my county auditor after refinancing my HECM mtge with PHH. The amount on the document was $90,000 more than the Mortgage I took and a 2nd mortgage was placed on the property for $360,000. I do not and NEVER did have a 2nd mortgage on my home. Appraisal and all documents state loan was for $240,000. But auditor states all documents sent to the county say $360,000. Something is really wrong! Tried to contact them via phone and email 4 or 5 times with no responses. I believe this company is fraudulent and scamming people.

I am the trustee of my grandfather's estate, and as of March 1st for the last 3.5 months I have sent the trust, the amendment, death certificates, etc over 20 times! Daily calls with the SPOC department, no updates ever, no one can answer my questions, they send over the packet at least every week as an "urgent" request and we still have no answers. The legal department they claim they send it to, no one can ever actually get them to respond. There is never a supervisor or above to speak to. Every time I call for OVER 3 MONTHS, no one has an answer or any updates on the trust! My grandparents passed, my mom, etc and I have to go over this every single time that I call. They have no process in place, they are disorganized, incompetent, and take no responsibility for their company.

PHH did not pay may taxes out of escrow for almost a year, resulting in my home being placed on a tax lien auction. Despite more than 15 phone conversations with the PHH Escalation Department and a formal complaint being filed with the New York State Department of Financial Services, taxes remained unpaid, penalties accrued, and ultimately my home was listed on auction for unpaid taxes. PHH is an incompetent, corrupt organization and home owners would do well to avoid them at all costs.

I have recently had an incident where this mortgage company failed to pay my annual property taxes. I opened up an incident and it got raised to the escalation team. It's not been about 3+ weeks since opening the incident and despite multiple attempts at email + phone call to the direct escalation manager I cannot get a response on the status. The timeline for the taxes has come and gone and they still aren't paid, which is going to cost me even more money. Do I rate an update from this mortgage provider team? Apparently not!

Extremely helpful!! Answered all my questions efficiently. Put me at ease. Very satisfied with responding. I was guided through how to have my payment returned from an insurance company, whom I would no longer doing business with, and how to have it put back into my escrow account.

This is one very horrible company to deal with trying to get my mortgage mod completed. I had have HUD specialist help. Advised to Consumer protection on them and State agency also called due no bill since 2019.

Updated on 06/21/2022: So got PHH attention with last review and got them to do the appraisal. Now I can not get them to give me a copy of the report 2 months later and can not get them to give me a phone call. WHAT A HORRIBLE COMPANY. I have left voice mails every week to 10 days, send emails and NOTHING! Run away from this COMPANY. Run as fast as you can. I have called the Federal Housing Finance Agency AG on their unfair, unethical, and unlawful business practices.

Mel on my loan processor got transferred to PHH without my knowledge but I guess they were shot selling some mortgages to PHH and mine was one of them. Ever since then I've had so much difficulty with their customer service. You never get anybody you could understand on the phone and they can be rude as hell. Now they're telling me I'm in default and I'm not. They sent me four left contradictory letters regarding my account and I've had to spend hours on end trying to get my situation resolved. This is not a company you wanna deal with and how I have a feeling they're doing fraudulent things or they're doing things that seem to be fraudulent because they're so stupid.

I am happy that PHH initially approved my mortgage/Loan for modification due to financial hardship because of COVID-19. My acct/payments has never been late with them. They send back docs to be re-signed and notarized, but they came really late. (Mail delivery is really really slow since COVID-19.) They got the docs on the deadline date but now they rejected my modification. I really thought they are there to help us during this difficult time.

Our mortgage was transferred from another bank. PHH is the worse bank we have ever experienced. We called 10 times, 4 times out of those 10 times we got disconnected after being on hold for 20-30 minutes. One time an associate said she doesn't know how to calculate, so we have to wait for someone else, another time an associate told us to call our previous bank because they don't have records of the past payments. We will never recommend this bank or ever do any banking with them again. Also, we would have given them zero stars if that was an option.

Wonderful company! They worked around our availability even if it was after hours, James communicated throughout the process. PHH Mortgage was able to bring my interest rate down, no one could beat their offer.

PHH is pathetic. They lie and lost our wire transfer payment to pay off our loan. If they tell you they'll call you back...Don't hold your breath. I requested a payoff statement multiple times to get nothing. This is a terrible company

are in the middle of a refinance and PHH mortgage refuses to provide the required payoff to transfer the loan from their company. They also didn't paid the insurance for the property which was escrowed. The actions so far of this company has been retaliative and very unprofessional and has caused duress. We cannot proceed because PHH mortgage is intentionally withholding our legal payoff documentation.

Being self employed and was directly affected with the pandemic. I reached out to PHH mortgage and it only took a 10 minutes phone call with one of my account representative. She was able to put me in to a program that would enable me be able to have time to get my finances rectify and stop making regular payments.

I recently requested for PMI to be removed from my mortgage. I sent in numerous data to show the value of my home had significantly increased since purchase. In addition, PHH sends me one-two times a month a letter offering for me to refinance and THEY give me an estimated value of which clearly shows that I have at least 33% equity. However, they will not remove my PMI until I pay them for a Brokers Price Opinion (BPO). This seems highly unethical. My dashboard (mortgage website) indicates the estimated value quite substantial. Yet, they want to tell me in the letter that my home is worth the lesser of the amount of my sales contract or the original appraisal, penalizing me for getting a good deal. If I refinance with them, my house is worth a lot more, if I don't, well it's worth the sales value. Not to mention over $25k in a master bath remodel since purchasing the property.

Experience was great. Excellent customer service.. agents were willing to explain things that I did not understand thoroughly. They were also very patient. Wish all customer service reps had this same level of concern for their customers.

I was going to say the last guy to help me was so very good. But now I received another letter looking like the problem is not solved. I have flood insurance and have submitted it twice. Why are my payment still going up this year. My taxes and insurance have not changed enough to warrant such a huge increase. Ever since I refinanced with you it has been nothing but trouble. Please explain.

Every time I call, all the agents are friendly and knowledgeable and are able to answer all my questions quickly. When I've had problems, they are quick to help with a fast resolution. As their slogan states, "Helping homeowners is what they do".

PHH Mortgage really cares for the clients. I have been customer for a while and any time I had a problem they made me feel I had nothing to worry about and reassured me they would assist me any way they could. I received timely notices when I could not pay under this pandemic and I felt they really had my back! Thank you PHH Mortgage.

Very convenient and easy and when I talk to somebody very pleasant and professional. Would recommend to anyone who has a chance to partake in the service. Thank you for all your help and guidance. Very much appreciated. Thank you. That’s all I have to say at this time about my experience. Thanks again for your assistance.

I called to get information on my city and county taxes. The young man that spoke with me was very professional, patient, knowledgeable and kind. This is expected from customer representatives but too often it is not received. Coming from me, this is a real compliment to him because I am a fanatic about areas such as this.

It's a great pleasure to work with a knowledgeable mortgage company that takes pride in their customers. My wife and I would recommend PHH Mortgage to others that are thinking of buying a home. We thank you for your great service.

My experience with PHH was very pleasant. Their customer service was kind, respectful and very helpful. The knowledge that the individuals have when asking any questions is great, no holding for answers is the best. I'd definitely recommend this establishment.

PHH Mortgage Services, were an absolute Godsend to me. They worked tirelessly to help me. Everyone is very professional, friendly, respectful and do their very best. I am extremely satisfied with the outcome of my refinance. I would highly and most assuredly recommend PHH Mortgage.

I was surprised that my statement was going to my old address, which is the house I sold and no longer there, so I called to make sure that they update my information. The representative was very nice and professional.

Had a great experience, the representative had lots of knowledge. I look forward to working with the team as we prepare for my next steps with the property.. I have never heard of PHH, but I'm sure it will be a good experience moving forward.

I have been planning a refinance for my mortgage and initially began to work with PHH Mortgage as they hold my current mortgage. Initially I paid for an Appraisal with PHH as the designated lender. After receiving the appraisal report I determined I would use a different lender to provide a refinance for my current mortgage held by PHH. As soon as I requested that the appraisal I paid for be transferred to my new lender every bit of communication and support stopped with PHH. I submitted to PHH a "Transfer or Release of the Appraisal Form" to PHH.

I recently called the help line at PHH with questions. My call was answered promptly and the gentleman answered my questions. When I was put on hold for him to access my account, he came back quickly with the answers I needed. He was very courteous and professional.

Outstanding customer service!!! I would recommend this organization to all of my friends. The customer personnel answer all of my questions and emailed all of my requested information within a few minutes. Keep up the great customer service work. I’m very satisfied with service that I received.

The representative was very professional, knowledgeable, helpful, as well as being understanding of my needs and situation. The representative was also very caring and did his best to assist with my request. I'm glad I call to speak with someone concerning my request, thank you for all you help.

We currently have PHH servicing our mortgage loan. Our taxes and insurance are escrowed. They are holding a substantial amount in our escrow account. Our 2021 taxes were due 11/30/2021. The company has yet to pay them. We are now 62 days past due for our property taxes and it is accruing interest daily. We have contacted PHH Mortgage NUMEROUS times by phone, email, and mail. They continue to tell us they are working on it but the taxes still are not paid at this point. I wish I could give ZERO stars for the unprofessional customer service we have received with this company. I will make sure to never do business with this company again.

I can always depend on PHH to help me with all my Morgage needs. I have never encounter a rude or uncaring attitude from anyone that I talk with. And they always find a solution to help me in keeping my home. I love PHH team.

Reassured me my taxes were in escrow. I received my tax bill and there was no indication I was paying them as part of my mortgage payment. The agent was helpful and friendly. I feel good about this mortgage company.

I would like to highly rate your customer service department with 5 star accreditation. My experience with your agent Victor has been great. I have done business all across the country and have never experienced such great service anywhere. Notwithstanding Victor's representation of PHH reflects well on your company's success. Eventually I will payoff my loan with you but I will always remember the service I received from PHH's customer service.

I really appreciate the help and understanding I received from PHH mortgage. The rep I talked to, was very helpful and efficient in helping me over a rough time I was having. Quite a different experience compared to other companies.

Every person I have talked to at PHH has been kind, informative, insightful and willing to answer any questions I have had. They are making this process of refinancing so simple and easy for me! Exceptional customer service! Probably the best mortgage company I have ever worked with.

From I started the conversation with the agency person until the end everything was perfect. There’s nothing negative that I can say about it. You guys are awesome and I appreciate your patience and your support in these hard times. Thank you very much.

I've have been with PHH for 6 years after the account was acquired after the entire Ocwen situation. My account has never been late with PHH, and recently had to file bankruptcy (not including my home in the bankruptcy), they abruptly closed the account and no longer report to any of the credit bureaus. After several attempts to get them to report, I received nothing.

I found the persons I spoke with, to retain old documents, incredibly helpful, were easy to speak with, patient with me and took it step further by making sure I could access the documents and that they were what I was looking for and needed. There was a lot of waiting during this process and I was grateful for their patience and their knowledge.

We would like to see a copy of the appraisal please and see the comps used. We are getting emails from you that our home is worth $417,705. A house exactly the same as ours around the block just sold for $430k and others in our neighborhood are the same price range. My wife is a mortgage processor and previously a realtor. We could refinance with her company but want to know what our options are for removing the MI first. Thanks in advance for sending the appraisal.

PHH has provided excellent Customer Service throughout our journey with them, especially during the Covid pandemic when dire assistance was needed. They were always patient and courteous when listening to our needs and was always very accommodating. We are grateful for such a caring company. Mahalo!

PHH is Ocwen rebranded but as the old adage goes: a pig with lipstick is still a pig. My horrendous experience included litigation in which I prevailed with these guys violating court orders resulting in sanctions for 3 consecutive years. Then, during 2019-2021, they messed up royally in ways that I can't discuss in detail as I'm still waiting to see if litigation will be necessary to have them amend their mistakes and refund me overcharges made to my account. Luckily, I refinanced and won't have to deal with them again. My recommendation, stay away, run for your life. While mortgage loan servicers are notorious for mistakes, PHH is seemingly the leader in such poor behavior.

Fantastic company. Personable, caring agents. Always polite and always helpful, especially during pandemic times. They're an A-Plus service company, and every one of their agents comes off as helpful, caring, and sincere! I would recommend them to everybody.

Yes Mr. ** do his job in a professional manner, no I am very disappointment because I know for fact there is a mistake. Why your PHH transfer an account that doesn't exist, and now I have to get money to hire a consoler to find it out the true.

I refinanced my home last year and PHH was the note holder for less than a month. Since that time I get emails and calls from PHH constantly. My favorite was a call from PHH at 10:30PM on a Sunday night. From my experience they did not service my loan at all, just temporarily provided funds, then sold the note, then used my info for their telemarketing efforts.

I called PHH Mortgage to obtain information about refinancing my home. The agent did not give me the feeling of being rushed off the line because I am not ready to refinance at this time. Instead, the agent was patient, listened to my needs, & was helpful with suggestions. I now have a concrete plan.

Was able to get my issue resolved in one phone call. The customer service representative listen to my issue and was able to recommend a solution. I was given clear understanding of next steps that will be needed for long term solution.

I have just had a mountain of things happened to me in the last year. And they've been totally understanding by PHH Mortgage and I truly appreciate everything they've done for me. Once I get back on my feet I'm sure you're going to straighten it all out.

I had a good experience when I contacted PHH Mortgage Services. The Customer Service Agent that I spoke with was very polite and helpful. She helped me resolve the questions that I had on my account. I am thankful for her help.

Your company as well as your well trained representatives are always kind, patient, and full of compassionate and sympathetic to my needs. I recently lost my 61 yr old husband VERY unexpectedly and immediately when I called explaining my circumstances, the company representative took such good care of my needs. Reassuring me everything will work out and I should just take the time I need to get everything I had to do get done and suggested I call back in a month. Each time we had to call for whatever the issue we were treated very well. I would definitely recommend your company to anyone wishing to purchase a home or interested in refinancing. Thank you for all did for me and in my time of loss.

They updated their name wrong in my homeowner insurance so they couldn't get my insurance renewal from my insurer. They then sent out letter saying I need to pay them for the insurance they bought on behalf of me. Shortly after that they made another change to their name in my homeowner insurance and this time was the correct name. But it took me hours to call everybody to ask what really happened for the letter I got even tho I already renewed my homeowner insurance before it expired. A simple mistake of incorrect name update from PHH wasted everyone's time. Bad service on PHH.

In December 2021 my mortgage loan was transferred from Sierra Pacific to PHH Mortgage. I have called PHH Mortgage several times since the transfer of mortgage companies to resolve an issue. Each time I call I get someone that does not speak English so I am unable to resolve my issue. I am promised a call back within 24 hours with a supervisor and call never comes. I am at wit's end with PHH Mortgage....

I was very pleased with a recent call to your company. We were hoping to recast our mortgage with a large payment and prior to the call we’re unsure of how the process worked. Your associate was kind, professional and very helpful. He answered my questions confidently and helped me feel at ease with our decision. I am very thankful for that interaction and I was so grateful for the amazing support. Thank you very much!

Received a letter my property taxes would go up, and if I could not pay the difference they would automatically foreclose on my property! I am on fixed income, age 69 in February with health issues. This adds more stress. Surely, there are programs in Maryland to help seniors keep their primary homes. Added; they outsource their Agents from India, who I can not understand their language. They know nothing about what is going on in the States. I wish they were at the New Jersey main headquarters. They have a ploy to call once a month to drag out the situation in hopes you will do a short sell, or forecloser.

I sent a fax for a credit draw on my reverse mortgage on Dec 14. It was supposedly “lost” as of Dec 21 so we emailed a duplicate. We called on Dec 23 and the duplicate was there and the funds should have been in my account as of today Dec 28. We called and the original had “just arrived,” no record of the duplicate and now it will be after New Year before the money arrives. I am planning to file a complaint with CFPB against this company if it is not here next week.

I have always received great customer service from PHH. Please keep it up because that is very hard to find nowadays. I'm not very much of a writing however, I'm thankful for your home owner's modification program as well. I'm glad to be working with this company regarding my issues.

PHH failed to make my flood insurance payment even after I called 3 weeks ahead of the due date to ensure they had a check on the way. They assured me they were on top of it and not to worry. On the day payment was due flood insurance company called and had not received payment. Got PHH on the phone with the flood insurance company. PHH could not wire them the money so I had to pay on the spot to avoid cancellation of the policy. It was agreed on the call that PHH would issue me a refund directly since I had to pay it. They failed to do so. They sent the check to the flood insurance company by mistake.

They were and have remained a pleasure to work with. I would recommend to family & friends. Our interactions remain explicit, clearly understood and promptly attended to or resolved. We have never had a situation where our questions or concerns went unanswered.

PHH helped us get a mortgage modification and get out of foreclosure. We have been able to stay current with our mortgage payments since then. The Agents we worked with were very helpful guiding us through this process. Thank you.

There was an issue with my November payment which was brought to my attention and we both successfully found the issue resolved it and it was taken care of. She was a great help. And keep up the great work. And thank you for making my day easier for me... Happy holidays to you all.

I contacted PHH service line to ask questions as I am a new customer. I signed up on the web page which was very easy to negotiate. I wanted to make sure that my payment would come out every month automatically so I would not have to check on it each month. The helpful service person checked on it and reassured me it would! This is wonderful! He was very polite and knowledgeable.

I love that every time I call PHH Mortgage they have always been so friendly and nice. They are always there for helping us in any way that they can. And if they have a program that one can apply for especially with Covid-19 pandemic they will let you know like they also told me about those help. PHH Mortgage is there to help us and not lose our homes. I highly recommend PHH Mortgage.

Great website. Great customer skills. Your company is an asset to the public. Your company set a clear example of what great customer service is all about. I will share this everyone I know. For this you deserve to be rated 5 stars. GREAT, GREAT, GREAT.

I got the letter regarding the lateness of the possible mail delivery. I wanted to talk to someone about my other options. I also wanted to find out what my balance was on my home. The representative was very helpful.

They answered all my concerns and so far so good. Everything they told me work making my payment. I hope it stay that way. Great job for all that help me thru setting up my account. Hope my loan don’t transfer again.

PHH Mortgage Services always provides the highest quality of customer service and genuinely cares for their customers and treat us like family. When you need their help, they always listen to your concerns and then do everything they can to help you through something small or something huge and life changing. They are always so respectful to us and strive to go above and beyond what is needed. I know and can trust PHH Mortgage Services to see us through while giving us every opportunity to make sure that we are satisfied. We greatly appreciate all the many years of trusted customer service.

Stole payments on mortgage. Cashed them!! Foreclosed on house off 20 years when never missed or made a late payment!!! Straight up LIED ABOUT NOT GETTING MONEY ORDERS. Found out after they foreclosed THEY HAD AND CASHED THEM!!!! THEY TOOK OVER OCWEN MORTGAGE!! CORRUPT, LYING, THIEVING MONSTERS!!!

It was a good, it took a while but it was okay and the papers everything went smoothly and everyone was nice and very helpful. My experience was good. I would do it again if I need to. Thank you very much for all your help.

My experience with PHH, is impeccable. They stay are very patient, answer all questions with ease and are very qualified and knowledgeable thus, rendering clarity and comfort in my concerns. I mostly appreciate the fact that they often take the time to email or contact me to give updates and assure me peaceful mindset. I won't change a thing. Thank you to PHH. India.

I would love to shout out to PHH mortgage for making sure we have a roof over our head during the terrible time. Covid has had my family a couple of times and it is easy to recoup when you are not worried about a place to live. Thanks for all y’all have done for my family. They comes highly recommended from us.

PHH has been continuously assisting with my Mortgage Hardship Status. They have been efficient at assisting with my needs which is Greatly appreciated. The Customer Service has been seriously patient with me. They make sure that they stay in contact with me, thereby not allowing timelines to be missed. The follow up is commendable.

From late last year when I began my home refinancing process with the Money Store and since dealing with their mortgage payment representative - PHH - I have felt excellently cared for as a customer with all my concerns being met along the way. Getting a most competitive refi rate and having all questions answered in a timely and accurate way helps me offer a total thumbs up in this review.

What a terrible company. Have money sitting in escrow for my property taxes and they still have not paid them even though I have been asking for months and have confirmation that they will. Now there will be a 10% penalty because they are late. I can’t even imagine the fight I am going to have in order to get that money back to me. STAY AWAY!!!!

Updated on 10/22/2021: Have been working with the Escalation Managers since Oct 15th, when I was told over and over they would fix the issue. Yesterday, spoke with my escalation manager and told me the wire transfer, sent on Oct 8th had been found and my account payoff would be credited immediately. Today, I get a call from the manager and was told the wire was sent back on the 18th, the day me and the accountant from the title company spoke with escalations and gave them all the information to locate the wire transfer, when this issue should have been corrected to begin with. So today, had to wait on the phone for 49 minutes to get a new payoff quote so the title company could resend the wire transfer.

PHH took over my mortgage from Amerihome and unexpectedly and without explanation, my escrow jumped up $1100. PHH not only had no explanation, but no interest in helping me figure out the problem. They kept putting me on hold and delaying any action and telling me to wait, that they were going to help, that they would get to the bottom of this, but I had to do all the work and furnish them with the information, and even still they wanted more and more time to ascertain what I was giving them directly from the City Tax and Assessors Offices.

My home mortgage was purchased by PHH Mortgage. My previous mortgage company let me pay bi-weekly for free and I could set it up online. PHH Mortgage? Not them. They have to physically MAIL you a form to set up bi-weekly payments (what year is it?) and on top of that, they charge you a $3 fee EVERY TIME you make a bi-weekly payment! That's $72 a year I would waste on a service that actually costs a fraction of a penny to send. AVOID this company. They are out of date, and love to nickel-and-dime their customers for "convenience."

One word, incompetent. The words of the agents sound friendly and they apologize often, but this is due to severe incompetence of PHH. From day one of my mortgage I requested a bi weekly payment set up to match my pay schedule. I was forced to submit application twice and asked a THIRD time because they have no record. They still use FAX MACHINE. I was promised multiple times the bi weekly would start, but when I called to confirm (they never return calls) I was repeated told that it was not set up and they have no notes in the system to verify activity. DO NOT USE THIS MORTGAGE COMPANY.

My PHH refinance was quick, no hassle, no pressure. The staff are knowledgeable and courteous. They took care of all the little things, and the big things with no fussing. I’ll use them again in the future, for all my mortgage and financing needs. Thanks PHH!

Whatever problems I’ve had they are right on it, getting the problem solved for me, never have had a hassle. On my refinance, they were very easy to deal with and played no games with me. Everything was on the up and up. A good company to deal with.

I am happy to state that PHH initially approved my mortgage/loan for Modification due to financial hardships. PHH later approved Forbearance due to additional hardships as a result of COVID-19. I do not know what would have happened if such help were not provided….I’m sure I would’ve lost my home. I cannot measure how helpful this is for me.

My first experience with PHH was with the website and MortgageQuestions app. The app was especially difficult to navigate and required three separate calls to customer service for assistance with overcoming barriers. Not user friendly at all! The customer service associates were awesome-extremely helpful - and deserve 10s across the board.

It is difficult to get to the right website because the title is different but the info is the same. I set up a web account but now I can't find the web address to log in. To date I have not received an August statement which I want to attach to my extra principal payment. I don't know if I have not received the statement because my regular account is auto pay or there is something additional I need to do. Trying to reach some on the phone is also a very timely procedure.

First the automated system is easy to navigate, no long wait time for a customer relations. Also the gentleman I spoke with was very courteous, kind and understanding. He took time to explain what I was calling about. Thank you.

It took a long time to get connected to right person but he tried to solve my problem by putting me on hold several times. Problem was still not resolved. Hopefully in future you will not put customers on such a long hold.

Bought my 2nd house with PHH and they were awesome in the beginning signing me and my partner up for a loan to our first home together. When we had questions about the mortgage, they were semi-helpful, providing vague answers and not consistent with the details of any aspect of the loan. When we started talking about selling our home to upgrade, they were very rude and disrespectful to my partner as he was new to home-buying and had a lot of questions. I will never use PHH Mortgage again.

Very kind very professional and answered all my questions. Told me all the options that I had and ask if they can do anything more if I if I had any questions don’t hesitate to call. Also found a very kind.

I have been attempting to get them to modify a mortgage with a balloon for month. They kept saying missing this. Missing that. They set appointments for calls months out and in the meantime the mortgage balloon came due so they want payment in full or they won’t accept any payment from us. We get to the phone call date and surprise they are missing one more piece of paper. Reschedule for another month out. Get to that phone call and the dates on our paperwork we originally submitted are too old. Need to redo all paperwork. Redo all paperwork. Set another call. Again we’re missing something. Page 3 didn’t make it.

I have asked many times for statements. They keep pushing me to the website. I don't own a computer or printer. If I can't get my statement I can't pay. Seems like they want to foreclose on me. The customer service is really bad, as well.

Working with the lender that sold the loans to PHH Mortgage was a nightmare, so it was a pleasant surprise to see that PHH Mortgage was exceptional easy to work with for the servicing of the loans. They have a user friendly website that is easy to navigate.

Every phone number I can find for PHH Mortgage except the number to apply for a new loan, gives the message "we are unable to connect you due to unforeseen technical issues" followed by the message "our offices are closed, please call back during our regular hours". This happens mid day on a Monday (non holiday). This is ridiculous for a mortgage servicing company.

Great customer service, the representatives made me feel that they were listening to me and not just trying to get me off the phone to go to the next call. After she answered my question open the other suggestions that were very helpful and we did make the appropriate changes.

My husband join the Army in 2007 and we just got the house 2006 and I tried to rent to three people. They never pay us because my husband deployed 4 times, I want to give up that house but you guys didn't let me instead help me keep the house, thank you so much. Plus you guys dropped to 3% for me and my family to be able to afford it, God bless your company, God bless you guys.

From the time the pandemic began I was knocked down and so many things going on but when I reached out to you guys, with kindness and with love, I was assisted with such a great customer service. Everyone I have ever spoken to in this company is humble and addresses you carefully to make sure you go off the line satisfied. I love the customer service, well trained people. God bless you all, surely I will recommend this company to anyone at anytime. Have a bless day.

Where do I start? Two years ago I had a claim filed in my house for water damage. My insurance finally issued the check and unfortunately my loan got transferred to PHH 7 days after the check got issued and it’s been an absolute nightmare to get my check endorsed and sent back to me. I have talked to 7 representatives Francis, Ana, Sabin, Marco, Ruth, May and Bridgette and I have all their employee ID numbers. Not one person has said what the process is to have a check an endorsed. Every single person says something different (it’s disturbing). To top it off everyone is offshore so I get people from India and Philippines that don’t know what they are doing.

I submitted a loan modification package and made sure that everything that I received, was signed and returned completely. My modification had gone through the final steps and I had to make 3 on-time payments. I made all 3 payments on-time as required, but on the 3rd month after I made a payment, I received a letter saying my loan modification was denied due to an issue with my mortgage title. I tried to call my relationship manager, as the letter stated, but they can't transfer you, but only make an appointment with your relationship manager. So I asked the rep about the letter and they didn't know anything, so I asked to go to escalation. I was told there was one paper that I needed to sign, I explained to him, that these past few months of talking to someone each month when I had to make 3 payments, no one said anything about missing paperwork.

This "company," (really a debt collector) after purchasing my mortgage servicing from another company – something I cannot do anything about – then turns around to tell me that in order to make payments on my loan, I either: 1) have to send a check in by mail, or 2) I have to pay them the exorbitant sum of $19.50 every month to pay my mortgage online. I also have to sign a document which is like an amendment on my mortgage to this end. This on top of whatever fees they are charging the holders of my mortgage.