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PHH Mortgage
Overall Satisfaction Rating
1.76/5
  • 5 stars
    142
  • 4 stars
    12
  • 3 stars
    18
  • 2 stars
    33
  • 1 stars
    502
Based on 707 ratings submitted in the last year
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PHH Mortgage

ConsumerAffairs Accredited Brand

For over 30 years, PHH Mortgage has provided industry-leading mortgage services and helped countless homebuyers and homeowners find financing solutions to meet their needs. We are committed to providing personalized care and solutions to help our customers save money, build equity and most importantly, stay in their homes. Whether you need assistance with your current loan or are looking to purchase a new home or refinance, PHH offers a wide variety of homeowner assistance and loan options.

PHH Mortgage Reviews

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2 featured reviews
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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Aug. 19, 2019

The service I received was excellent. The gentleman who handled my call was extremely helpful. My payment had been declined due to insufficient funds. This was my error. I put more money into the bank account in question.. But now I was very concerned about being late in my payment. The gentleman understood my concern and was helpful to me.. I needed to know whether I should try to make another payment or whether PHH would run the earlier payment through again.

So the gentleman put me on a brief hold so that he could verify this with his boss. Very soon he was back with me to explain that PHH would indeed try the payment once again.

So there was nothing that I needed to do now. That was good news. While I was on the phone, he also told me that my payment amount would be going down in the near future. So that was even more good news. He didn't have to do this extra work because he had already served me. I believe you have a true asset in this gentleman. He is an excellent representative of PHH. You could certainly use him to train other telephone people in your company. Thank you so much, Stephen

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PHH Mortgage response

Thank you, Stephen! It is our goal to provide an exceptional customer experience, and we are delighted to read your feedback about the excellent customer service provided by Garnet. We will be sure to share your feedback with him.

3 people found this review helpful
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Rated with 5 stars
Verified Reviewer
Original review: June 11, 2019

My mortgage was just transferred from Ocwen to PHH on June 1, 2019. ALL I can say is that so far is, Yes I can see that Ocwen is still there standing with PHH on our behalf. Last year in 2018 we was approved for a loan modification when a illness that cause a hardship to take place. The HAMP program was able to modify our mortgage at a much lower interest rate of 2% that made our monthly payments more affordable..

In March of 2019 there was another hardship but Ocwen was able to set us up on a forbearance plan and we still had fallen behind so we was able to pay what we could at that time.. But Ocwen did not give up, they notify us about PHH transfer. We didn't give up, we prayed because we was now 5 months behind. So I contact PHH and every person that I talked to was so nice. They answered all my questions, they ask me when can we make the payment in full. PHH customer service made me feel like Ocwen is still there. I THANK YOU so much Ocwen/PHH mortgage for still being here for us....

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PHH Mortgage response

Thank you, Pamela. It is our goal to provide an exceptional customer experience, and we are delighted to read your feedback about Ocwen/PHH. Thank you for taking the time to share your experience, and we appreciate the opportunity to work with you.

14 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: May 29, 2019

After reading all the negative experiences, I was honestly nervous about calling. I never had a problem with Ocwen other than the occasional language barrier but talking to the PHH representative was the easiest I have made in over ten years of having this loan. I was able to talk to her in less than two minutes, I am not joking. The lady was very nice and gave me all the information I needed to pay the loan. I was expecting after reading the other reviews that they were going to try to get me to mail it, which was no way going to happen or make it difficult to pay but she was great. I'm truly sorry other people had so many issues as I have been in their shoes from time to time with Ocwen, not often but it had happened. So far this company I really highly recommend.

Also I never do reviews. I know you see that from people but I really don't generally take the time because I don't have a strong enough opinion one way or another. The only reason I wrote this one was because of the huge amount of negative reviews that made me almost feel sick to my stomach to even call because I figured this was gonna be a long wait, a rude, unhelpful or someone I couldn't understand on the other line and it went fine.

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PHH Mortgage response

Robin, thank you for your positive review and recommendation! It is our goal to provide an exceptional customer experience, and we are delighted to read your feedback about the great customer service you received from Jennifer. Thank you for taking the time to share your experience, and we appreciate the opportunity to work with you.

3 people found this review helpful
Rated with 5 stars
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Verified Reviewer Verified Buyer
Original review: Jan. 24, 2019

It was hard for me to maintain my house note. I have became blind and the same year my mother had passed away and I had give up on everything. But the company and staff never Let me down. When the the company needed their payments never told me I had to get out. It was months that I didn't have the money to pay my note. I cry everyday scared thinking no one cares. Couldn't go to family members and friends for nothing. Being blind and didn't have nowhere to go. But on the street. But thank god for the staff that work so hard for and still letting me know and showing more options to keep me in my house.

Everyone had close their door on me but Ocwen loan service. The staff never told me that it was not no hope and when I got the phone call from the staff. Each one of them kept working not to allow me not to give up and walk away. The lady said that the team had work it out. I didn't believe her. I thought it was someone just telling me that and the she was coming to put me out. No. They came to deliver me the paperwork to remain in my house. Thanks to god and the staff and company of Ocwen.giving me another chance not to become homeless. Thanks to the company that cares for all Ocwen. Thanks and I pray that you keep doing the right to help people in time of needs. God bless each one of you. Thanks and thank you lord for Ocwen being here for me when I needed the company the most. Kevin. Not homeless. Due to you all.

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PHH Mortgage response

Thank you, Kevin, for taking the time to share your experience with Ocwen! We are here to help our customers, and we are very happy to hear we were able to assist you during your time of need.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Jan. 23, 2019

We, like many others in Florida, fell on hard times in 2006, and continued to struggle financially for several years. We were both realtors at the time, and as the housing market collapsed, so did our incomes. We quickly fell behind on our mortgage, and our mortgage itself went through the hands of 5 banks/service companies, which made coming up with a solution to our troubles even worse. We hired a lawyer and agreed to go mediation with one of the banks. We put together the paperwork necessary for compliance with the bank’s guidelines, but were denied a settlement and were given no basis for their decision. Our lawyer said he had never seen such a lack of effort on the banks part, and he was convinced the bank had no real interest in offering settlements.

Fortunately for us our mortgage was passed on to Ocwen, who holds our mortgage now. From the beginning, they were responsive and helpful, giving us a real sense they wanted to work something out, that they wanted to keep us in our home. It took some time, but Ocwen offered us a realistic solution, and I’m very happy to say we went from several years of trials, lawyer fees and uncertainty to 4 straight years of on time mortgage payments. We have made improvements to the house over these last few years, the neighborhood has benefitted from our improvements, we are happy to be here, and we hope the bank is happy with our on time payments. It’s been a win win all around, and certainly could not have been done without a great partner like Ocwen. Their customer service is excellent, very clear and responsive, and we look forward to making many more on time payments in the years to come!

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PHH Mortgage response

Mark, thank you for taking the time to share your experience with Ocwen! We are glad to hear we were able to assist you in keeping your home, and we do appreciate the opportunity to work with you. It is our goal to provide an exceptional customer experience, and we're delighted to read your feedback.

3 people found this review helpful
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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: Dec. 13, 2019

Had my mortgage with PHH for over 8 years. Always paid my mortgage on time. Other than the annoying demands for increases in escrow payment, to cover the theoretical tax increases, no issues. Recently refinanced my home with a different mortgage company. Have been trying for weeks now to get my escrow refund out of PHH. Talking with customer service is a complete waste of time. They try hard to give you a simple answer and get you off the phone - not solve your issue. Despite my requests to either speak to a supervisor or escalate they do not - or they put you on hold for 45 minutes - without escalation. On three occasions, they offered to call me back - not. Highly do not recommend.

PHH Mortgage response

Todd, we're sorry to hear about your experience with PHH. Your information has been forwarded to one of our escalation management team members so they can review your account and assist in resolving your concerns regarding escrow refund. Following their review, they will be in contact with you.

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Rated with 1 starResolution In Progress
Verified Reviewer
Original review: Dec. 12, 2019

1 star simply because I can't go lower. For starters we are in the process of moving our loan from PHH to a local hometown bank for better service to fit our needs. Our problems started MONDAY Dec, 9th. My husband called and requested a payoff statement (familiar with real estate inner workings so I know these can take a day or so to receive and we needed it by Wednesday so Monday left us time). No problems. They said that it would be faxed over in the next day.

TUESDAY the 10th, No fax. Husband calls again and is told it was absolutely sent on Monday. I tested a fax to ensure there was no issue on our side. They said they'd fax it by end of day. WEDNESDAY hits and suddenly there's an issue with the PMI and it's not been sent. Supervisor of escalation department calls my husband saying that he will call as soon as it is sent over. It's now Thursday and NO payoff, NO call returned from the company and our closing has to be pushed back because of their negligence.

PHH Does NOT care about its customers. They are not communicative, and ignorant about what departments are doing to handle the accounts of its mortgage customers. GUARANTEE they can read this review and pick out which customer has left it based solely on the number of calls we have left with this in the past 4 days.

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PHH Mortgage response

Linda, we take customer feedback seriously, and we apologize for your experience. One of our escalation management team member has been engaged to review your account and will reach out to you or the borrower to address concerns regarding payoff quote. Thank you

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Rated with 1 star
Verified Reviewer
Original review: Dec. 11, 2019

I have had my loan with Ocwen for the last 8 years and have not missed a payment. None of any of my other bills as well. Ocwen has been making auto withdrawals for 8 years. I have never had a problem with Ocwen and have enjoyed their services until now. I had a rewards $5000 reduction to my mortgage due, right when Ocwen sold my loan to PHH. Yesterday I get a letter that I am 4 months past due. I have never been called, emailed or notified that our payments were past due and going to foreclosure. Nor that auto withdrawal was not being used. I pay my bills.

I called PHH number provided and all he wanted to know was if I had been notified that they were the new lender and as repeated that I received the letter threatening foreclosure. I went online and discovered PHH had just settled for many millions for fraud in several states...Hopefully NC. I want to get this settled so I can refinance with someone else.

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PHH Mortgage response

John, we sincerely apologize for your experience following the transition from Ocwen. One of our escalation management team members has been engaged to review your account and will reach out to you to address your concerns in detail. Thank you.

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Rated with 1 star
Verified Reviewer
Original review: Dec. 11, 2019

Our loan was transferred to PHH. We routinely pay a few months ahead and make principal only payments to drive down the loan and reduce the term. When it was first transferred, in spite of selecting principal only payment, they held the payment in reserve to be applied to the next payment several months out. After two phone calls they finally rectified and applied as originally requested.

They have now implement an "improved" on-line payment system. This system does NOT have any option to make a principal only payment. The only options they currently provide are 1. mail in, 2. pay by phone. This option comes with a ridiculous charge of $17.50. We finally received this answer after two email and two LENGTHY phone calls. As a result, we have begun the process to search for a new mortgage company and expect to be rid of PHH by years end. Suggest you consider any other lender if you are considering one that has at least a minimal level of customer awareness and customer support.

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PHH Mortgage response

Pete, we apologize for the issues you've experienced with PHH. Your account information has been forwarded to one of our escalation management team member, so they can follow up with you to assist you and help to alleviate your concerns. Thank you.

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Rated with 1 starResolution In Progress
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Verified Reviewer
Original review: Dec. 9, 2019

Hi my name is Ali. I've had a lost at home. Mortgage company is PHH. My homeowner's insurance is State Farm. We made the claim. They were out there right away, paid the claim and endorse the check to phh. Now they're giving me and roofing company run around. We've given them everything they've asked for and still haven't released funds. It's been 6months. Inspection was done and keep coming back with excuse.

PHH Mortgage response

Ali, we take customer feedback very seriously, and we appreciate the opportunity to address your concerns regarding hazard claim funds not being released timely. Your information has been forwarded to one of our escalation management team members for review, and they will contact you to discuss this further.

4 people found this review helpful
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PHH Mortgage expert review by Michele Lerner

This mortgage company has options for VA, FHA, conventional and HARP loans. They also offer mortgage refinancing services. They offer loans to people with all types of credit. An experienced loan officer can help you determine what type of mortgage you should apply for.

  • Online mortgage calculator: Use PHH Mortgage’s online mortgage calculator to determine what monthly payment you can make based on your budget and existing debt.

  • Apply online: Get started with your mortgage or refinance application online with PHH Mortgage’s easy online application.

  • Fast and easy pre approval: Get preapproved for a mortgage quickly. This can let home sellers know that you’re serious about buying a house and prove that you can qualify for the mortgage to cover it.

  • Loan options: PHH Mortgage has loan options for every type of homebuyer. You can get a conventional, FHA, VA or HARP loan, or you can refinance your house for a lower interest rate.

Profile picture of Michele Lerner
Michele Lerner Mortgage & Real Estate Contributing Editor

Michele Lerner, author of “HOMEBUYING: Tough Times, First Time, Any Time”, has been writing about personal finance and real estate for more than two decades. Michele writes for regional, national and international publications in print and online for a variety of audiences including consumers, real estate investors, business owners and real estate professionals.

PHH Mortgage Company Information

Company Name:
PHH Mortgage
Year Founded:
1984
Address:
P.O. Box 5452
City:
Mount Laurel
State/Province:
NJ
Postal Code:
08054
Country:
United States
Website:
www.phhmortgage.com
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