PHH Mortgage Reviews

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.

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.