Onity Mortgage Reviews

Absolutely pathetic mortgage company. Took our Escrow but let our insurance lapse, only to raise our insurance costs! No one in that company is worth a crap! Should be a zero!

Under loss mitigation review for the past 8 moths still pending - negative credit reporting since - still pending finalizing.

I had an extremely frustrating experience with Onity Mortgage regarding a late fee and conflicting information about how online payments are credited. My mortgage statement clearly states that a late fee may be charged if payment is received after the 16th. I submitted my payment on the 16th, and Onity’s own payment portal states that all transactions entered by 11:59 PM ET will reflect on the account as the date the payment was entered. It even specifically states that payments made after 9:00 PM ET may be processed the following business day, but will still show as paid on the date entered.

They dragged their feet on my recast costing my thousands of dollars and then wouldn't wave the $250 recast fee. They would not accept my documents that were clear legal documents just so they could delay and cash in on more interest charges.

This company is the worst to deal with. One hand does not know what the other one is doing. It took me a whole half a year sending them my homeowners insurance policy to make sure that they did not put on their own high price coverage. That didn’t work well because I had to argue twice to get their coverage off me when I had a valid homeowners policy. In addition, they charge me a late fee when they screwed up the automatic withdrawal and wrote down the wrong bank account number. When I deal with them, it’s like they’re on ** and they could either give a shit or they’re indignant about it.. In addition, they charge me a late fee when they screwed up the automatic withdrawal and wrote down the wrong bank account number. When I deal with them, it’s like they’re on ** and they could either could care or their indignant about it.

As an insurance agent, it is impossible to get a human on the phone. You can get customer service, but they refuse to help you with insurance & just tell you to call the insurance line. They would not even give me a correct loan # so I could submit the insurance online. This company is extremely difficult to work with. I say this as I called 3 different times with the same result.

If I could give 0 stars I would! Absolute nightmare working with this company! Customer service is useless! They took 2 mortgage payments out on me in the same day! I called to request a refund and was told 5 business days plus paper check in mail. Absolutely not am I waiting 2 weeks for MY money this company had no rights to take! Continue to call back to get update on possible getting this issue expedited and we are now on day 3 of my money not being back in my bank! Absolutely awful! Do not work with this company!

Horrible customer service. Completely inaccurate Escrow analysis. I offered to bring my escrow into balance and included the county's tax letter regarding my property taxes. I received a letter letting me know Onity is now collecting TWO years of property taxes and insurance to satisfy escrow accounts. They refuse to recalculate until they have double what is due!!!! BEWARE! If your mortgage is purchased by this company find a way out ASAP!!! Their escrow calculations are WAY OFF!! THE CUSTOMER SERVICE IS OUTSOURCED. CLEARLY THEY DO NOT SUPPORT AMERICA OR USA RESIDENTS.

Do not do business with Onity mortgage! They are doing the same accelerated notice of default that they just had to settle a lawsuit under the name PHH mortgage. See Williams vs PHH mortgage. I just tried to make a payment to catch my loan up and they refused it three times. I am only leaving one star because it will not let me submit without selecting that.

I have never experienced the type of customer care that this bank does not give. I am on every two week withdrawals auto pay from my bank account and every month I get a letter from them actually two letters that say that my payments overdue and it may result in extra fees and interest every single month written in Red. Every single month I call on a mortgage first of all the call goes overseas to people with a language barrier and that just keeps saying I’m sorry ma’am I’m sorry ma’am I’m sorry ma’am. I had to ask no less than six times to be transferred to someone in the US. I have talked to people in the US before about the same issue which never gets resolved. I hate this mortgage company. I would go with any mortgage company before this.

If I could it would be zero stars. This is the worse mortgage company I have experienced. They can’t even get your statement sent out on time. They took over servicing my mortgage 4 months ago and not one statement has made it before it was due. Majority of the people there just want to blame it on the postal service taking 2 weeks to deliver, but it’s funny that they have sent other mail that only took 5 days to arrive. It’s like they want you to be late.

I received an email, a "Homeowner Snapshot," and it was addressed to a name of a person who does not exist, or at least no one with that name has access to this email account. Additionally, I had never used Onity's services before, so I was confused when I received the email. I checked with the "forgot password" function on their login page, and sure enough, no follow-up email appeared in my inbox regarding that. However, when I called to inquire and have my email purged from their databases (because I have never used their services) they hung up on me without any warning of the fact because (presumably, remember, I got no warning) I could not give them a "loan number" or "account number" or whatever identification numbers (remember, I have never used their services! I don't know what they're talking about!) relating to the email address. How rude.

They do not offer bi-monthly payments. Seem to be confused by it. I do this through a 3rd party, and have to call every time because they do not process the payment properly. Customer service is horrible. Simple questions are not simple to them. Also, called to make a payment (since they changed my amount) and they said to call back next week, making it late, because they couldn't process it yet.

I am filing this complaint regarding Onity Mortgage's handling of my escrow analysis and its refusal to answer questions about the projected escrow disbursement dates used to calculate a $1,468.13 escrow shortage. My July 1, 2026, escrow analysis projects these disbursements: December 2026 property tax ($2,789.76), April 2027 property tax ($2,789.76), and April 2027 hazard insurance ($1,818.30). Based on this schedule, Onity projects my escrow balance will reach negative $235.16 in April 2027, creating a $1,468.13 shortage and increasing my monthly payment.

They bought my mortgage last summer. In the process, someone dropped the ball. Nobody wanted to actually do their job or take any accountability. They kept blowing me off until their error caused me to lose the home I was trying to purchase. Typically, companies don't spend the money to rebrand unless they are hiding from something. I couldn't imagine what it could be.

Was notified I became 30 days in arrears on my ONITY account. I am a previous PHH mortgage holder of approximately 10 years. Non payment was the result of the PHH/ONITY switch. Tried resolving this but ONITY has their customer service representatives outsourced to India. These individuals will make any effort to treat customers with any consideration they go by a scripted process which they will not deviate from nor make any effort to try to address my request. I would, and will suggest to anyone considering a mortgage with PHH/ONITY to find another company! Should mortgage rates fall I plan to have another mortgage company or bank manage my account.

Holding my insurance check hostage for a month stopping me from finishing work on a fire I had on the property. I call every day, never get an answer on transfer, and ultimately hung up on.

Worst company on planet Earth. Horrible customer service, communication, they don’t value their customers and waste their time and money. Use any and all companies but this one. Read all the reviews below.. Atrocious business.

Didn't give them a 0 because it wasn't an option. Worst customer service in any industry. Need a problem researched, how about them telling you 30 business days, maybe!! Want to talk to someone in this hemisphere, good luck. I am buying a property that they foreclosed on and they screwed up the deed paperwork. I'll be lucky if it takes less than a year. Anyone else would take a week.

If I could give this horrible mortgage company a minus number, I would. They are clueless regarding escrow. My homeowner insurance told me recently they cannot figure out where Onity gets their figures from because Onity's numbers & theirs do not match up. Onity is overcharging us! The staff doesn't know what they are doing. It's very hard to understand them because NONE of them speak clear English. Which makes you wonder if they are scam artists. They need to be investigated.

I am so tired of companies that make you jump through hoops before answering your questions - and I am not talking about security questions. I was on a deadline, as my bank was closing and needed to access my account. They would not answer even clarifying questions about their website without me sharing information down to when is the best time to call my home! They literally said they were not allowed to engage until I provided all the information they needed. When I finally did, four different people = four different solutions. None of them worked. Every time I had to call back, they would not answer any questions unless I jumped through their hoops. When the last person admitted that there was an error on their end, the call suddenly disconnected. And remember all that information they needed in order to contact me?... no call back.

Absolutely terrible experience. If you ever have a way to NOT work with them, exercise that option. Our mortgage was transferred to Onity and were told that “you guys are exempt from this month's payment. Don’t worry about it”. Come to find out, that was not correct and they came at us HARD for the payment. They changed the due date, and even in light of their own mistake they REFUSED to work with us on a schedule to rectify it. What’s worse is they actually don’t care. They say they will transfer you to a specialist and the phone just rings and rings until you get tired. Trash. Disgusting company and ownership.

Beware - Onity assumed our mortgage as the service provider and did NOT pay our homeowners insurance bill. But quickly offloaded the mortgage to another service provider within 2 weeks.

Horrible company. Over a month to endorse a check. Customer service sucks. All foreigners. Closed 3 days out of the week.

I called the customer service just to get them to send me a statement every month and it took 35 minutes and it was not resolved. They claim that I told them I wanted it paperless. Which I never did. Our mortgage before was PHH Mortgage. They said that I can only do it online. I tried to sign in with new username and password and it locked me out on top of that. Terrible service.

DO NOT, I REPEAT DO NOT TAKE OUR YOUR MORTGAGE WITH THESE PEOPLE. THEY ARE THE WORST. We paid off our mortgage by wiring a large amount of money. We received an email from Onity congratulating us for paying off the mortgage and instructions on lien release. Without any notice to me, Onity reversed all my payments 3 days after I paid off my mortgage. That had sold my loan but the new mortgage company did not take over until July1 and I paid off the loan on June 15th. I stumbled upon the money being reversed in June 23 after it was done on June 18th. The money was NOT wired back to me. I called Onity to find out why it was done and where my money was and they could not answer me. They kept saying the were waiting on the cash department to let them know what happened.

Onity Mortgage, formerly known as PHH Mortgage. I already had issues with phh mortgage and now onity is even worse. I had autopay with phh one month they return the payment to my account that I was unaware of this account was strictly just for the mortgage. Then took my auto pay off without my consent. And said I am now a month behind on my mortgage. When they Switch to this new mortgage company I been having the worst time trying to pay every month And trying to reach out to the customer service because their online payments isn't always working. I have to call like every other month to make a payment. If I attempt to use the chat bot, it will log me out mid conversation with an agent. This company is extremely frustrating.

Absolutely the worst company I’ve ever dealt with and has some slimy business practices. Good luck getting an actual person to answer their phone. I never have an escrow account. I’m perfectly capable of managing payment of insurance and taxes myself. I sent them a coverage page for my insurance, and with no authorization, they signed me up for an escrow account and upped my payment.

Absolutely god awful customer service. Attempting to pay off our loan, and the plainly offshored phone support provided the wrong instructions, insisted the wire was being processed for 7 days before finally escalating, who then told me the wire had not been processed and returned, AFTER the payoff quote end date.

My loan was transferred to Onity earlier this year. They have the most terrible communication. They don't reply to online messages or call back. The hold time is way too long. But, when you eventually do get hold of a representative, they are friendly and courteous. I had requested a new escrow analysis due to a significant decrease in my homeowners insurance premium. I was advised it would be done within 2 weeks. It's been almost a month and it has yet to be done.

We sold our house and they told us we owed them $487. So we wire them the money then we are going to buy our new house and they are saying we still owe them $2,100 for an escrow shortage but this is all after we have already sold and signed all paper work. Currently sitting on the phone with them for an hour to figure out what’s going on. Awful awful experience.

I have had mortgages for three decades and never had any problems. This company is a mess!!! My mortgage check NEVER cleared that I sent 2 weeks ago. When I called with concern, they are saying I've been credited a different amount (which also magically never cleared my checking account). They can't provide check numbers or basic information. It's very stressful and unnecessary. It's a basic payment. We are easy customers that pay on time, in full, every single month. It's not difficult!!!! I STILL don't know where we stand. Never had a problem with PNC. Onity sucks and borderline seems fraudulent.

PHH Mortgage changed their name to Onity this year. Our mortgage was down to its last payment and our account has always been on auto-pay. A few days after our mortgage was supposed to be paid off, I logged on to find that the auto-pay had been turned off, a payment couldn't be made online and our payment is now late, which we NEVER had happen before.

If I could give this company zero I would. I got my loan in March. It was sold immediately to Franny Maye, and then to PHH and then to Onity. I never received any documentation, a letter and email, etc. to this day. I was following up with them because they came up on my credit report as my mortgage lender, they could not find my mortgage for months. They suggested that I email their research team, which I did no response. I was calling a couple of times a month, still nothing until three days ago when they were able to find my loan, they then expected me to do a lump sum payment for the outstanding mortgage.

The worst company ever!!!! They charged me $1,447.92 because they did not receive my payment. I understand a late fee but that amount, is a shame!!! It is unacceptable!!! I spoke to the representative and my portfolio manager, and they both told me there is nothing to do. The portfolio manager said, "We called you guys letting you now about the payments to do." I said yes but no one never told me about that high penalty and he said quote: "that information is irrelevant." This is a shame. Personally, this is going to be the first and last time I use this company. Never again. I am very disappointed!!! It is a shame!!!

Charging $3000 in fees 3 years after a potential foreclosure where all fees and payments were PAID IN FULL. What a shocking bill to receive in 2026 when these items were PAID IN FULL in 2023. They said they added it in 2023, but I got the bill in 2026!!! Beware! They're coming after me and my social security income. If anyone is interested in a civil lawsuit, please contact me at **.

My mortgage was previously PHH. A FEW WEEKS ago I noticed my mortgage company name change to Onity Mortgage. So far I had poor experience with this company. Customer service is the worst experience ever the people were so rude and ignorant. I called two different times with the same question and I got two different answers. If I could give them a negative star rating, I would.

The worst mortgage company I have ever had, and I'm over 60 years old. Problem #1, three times a call from that mortgage company was scheduled with me and two others - never came those three times. Problem #2, the menu on the phone and the AI chat on their website are both complete crap. Problem #3, they sent a payoff amount on one day, good through our closing date. After closing, and paying the payoff in full, they claimed I owed a few more thousand because they allegedly paid taxes the day after the payoff letter was sent. And, by the way, someone tried to call me twice without success. Yeah, right. They never contacted me by my email nor posted anything on my Onity webpage regarding any immediate or important issues. DO NOT DO BUSINESS WITH THIS COMPANY.

If I could give negative stars, I would. Had my mortgage with Summit for 5+ years. There were NO problems. Summit sold to Onity. First payment through my bank and they “don’t process for 4 business days”; “7-10 business days”; then “it’s your bank”. They are TRYING to stall processing of my payment to, what charge me late fees, discredit my loan?!? I have paid 2x now-once through my bank, once on their portal and NEITHER have been processed yet my bank shows receipt out on the 1st and I have their portal receipt for 05/07/2026. I think all customer service reps are bots. They are definitely a call center with ZERO mortgage experience. I think they are doing scammy things. I don’t want to refi because I have a GREAT low interest rate! I’m held captive!!

They are scammers. They took $1040 to put towards my escrow account and never applied it. The overseas representative was extremely rude and told me to contact my attorney and then hung up on me.