PHH Mortgage Reviews

I have had this mortgage lender for over 5 years. I am not satisfied with their services. I understand that taxes/home insurance go up, but at the same time I wish I could have the opportunity to be able to make up the money difference in my account to keep it the same/or close enough to the original house payment. I am just not satisfied at all.

Hello, I closed on my house on 11/15. In order to close I paid full FL property tax. I had the property tax money in an escrow account. I never got the refund for the property tax around $10.000. I already had 3 phone calls with support that everyone keeps giving me different information and saying they will call me back and never do it. Also, they have no idea where my money is as they claimed it was sent to payment. I contacted the tax collector that not only said the day they claimed the wire transfer was made was totally incorrect but also that the money never went through.

Then it immediately tells me " We are having phone difficulties!" 2. Call back, put info and zip code: " We are CLOSED, call back during business hours!" 130 pm eastern standard time. Then I call back from a different phone number and push zero and it operator answered and said they had no problems with their phone! I'm trying to resolve an issue with my house payment, changing over from Rocket Mortgage.

I have already submitted to the BBB and CFPB: I have requested a mortgage assistance since August 2025, I have jumped through all hoops they have provided. Which has resulted in me filing three different mortgage assistance applications with them. They always have an excuse of why they haven't processed it. 1. their phones have the message "due to unforeseen technical difficulties we are unable to take your call at this time." 2. I sent the documents they request in full to their email they request them to be sent to- they claim they cannot view them which results in me having to send them in different formats only for them to claim they still cannot view them. 3. I pay to have them faxed and have proof they are legible and sent and delivered to which they claim again- they cannot read them.

My mortgage was paid off. PHH Mortgage claims to be taking it over with a balance. I provided documentation from the servicer that had my mortgage to include payoff letter and payoff statement. The person I was speaking with did not even know who the prior servicer was and this was in the escalation department. After several concerning calls, I called the servicer that had my loan. They were shocked the documentation provided was not sufficient (they had also filed the release of deed). They also looked more into my records that they had and said my mortgage had NOT been sold. They asked if I was sure, it was PHH Mortgage and not a scam. I had called numbers on the official PHH Mortgage website to ensure it was not a scam or at least not another party.

Then told the principal overage was applied to a fully funded new escrow account??

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.