Onity Mortgage Reviews

Over the years our interactions with the customer service experts at OCWEN have been generally very good. They are courteous and willing to assist no matter the challenge. As a result, our home is affordable. Am a satisfied OCWEN customer.

Foreclosure my home in July 2010. The Ocwen Customer Service are very rude and ugly, they did not accept third party on relay interpreter (video phone), they hung up on me hundred times. We tried to solve problem payment due my wife was in hospital in 2009. They don't care to accept on video phone for interpreter (American Sign Language Interpreter). We are deaf couple and I lost my home and my land was mine since 25 years and new home... just lost everything. We cried and WHY WHY they don't care us. Ocwen owe us big time. How very rude customer service... Ocwen people not friendly and lies.

We closed on our house on 2/28/2017 and they still have failed to report to the bureaus accurately and it's 5/1/2017. I have called numerous times only to be told different stories each time to when they will report (they did on 3/24 - 3/27 - 4/7 - 4/30 all saying we still have a balance). The last few times I have called they said they would report by the 14th of the month and then the next time I called said it would be the third week and when that didn't happen I called again and said it would be the end of the month. Well here we are again and it's the end of the month and was reported WRONG again!

Ever since GMAC sold our loan to Ocwen it has been constant problems. My husband pays our mortgage twice monthly by splitting the payment in half and then paying a little extra to get ahead on principal. My husband has spoken to at least 8 different people. All said they "made notes", "It won't happen again". This last time he really thought he had it straightened out. Ocwen said it had a system for this type of payment. We just had to make an EXTRA $600 payment. I told my husband that sounds like a complete rip off! Plus, now when we call we get bounced around and then told they "don't have anyone to take our call, call back later." He has called 4 times and we can't talk to a single person. He has also emailed. Also, they didn't send us our 2016 tax paperwork until AFTER the April 15 deadline even though we were told they would be overnighted at one point then when they showed up 2 weeks later they were WRONG!!!

After a slow credit recover I was approximately 18 months since any late payments on mortgages. In February had reasons tied to business that resulted in me paying the payment on the 28th. It was past the cutoff Ocwen established of 8:00pm that day, so it would post the following day, on March 1st. Ocwen interprets the new month starting as 30 days late... or any time it is posted in the following month. I have spoken with 3-4 of employees there, and they have sent me a copy of my mortgage note, and then they also responded with letter stating that they cannot correct reporting because it is correctly and contractually (always using this word) late because it posted March 1st. I know I was late, and I paid a late fee. But I interpret 30 days as literally 30 days late. So Feb 2nd is 1 day late, etc... March 1st would be 28 days late. I have never before heard of 30 days meaning 1 month in a technical sense.

I have had numerous problems with Ocwen. From them telling keep your home California that I was denied for a modification and I was approved to Ocwen refusing to tell me who my actual mortgage is through. They play games and no one can tell me what is going on with my mortgage. They have fees on top of fees. I have had so many issues with them I could write a book. Run away.

My father fell critically ill in 2016 and he stopped paying his mortgage. He passed away end of 2016 and the mortgage payments were past-due. OCWEN has worked with me hand in hand to process a modification. Every single one of their representatives has always been courteous, compassionate and helpful. I have nothing but immense gratitude for this mortgage lender as they have made this unfortunate and devastating experience a little less painful.

I have always enjoyed a professional & compassionate experience with the Relationship Managers at OCWEN. I am a single women on a fixed income & as a result run into difficulties with managing my finances. I love my home & want to keep it forever & OCWEN works with me to that end with grace & suggestions to help me.

My application for loan modification was addressed professionally and courteously as required by business ethics. The forms were sent on time. Guidelines were included. Forms were made easy to understand. Return of forms directives were simple.

There are a few things that I would like to address. I have an impound account that is supposed to pay my property taxes and insurance. I had the same insurance since the inception of my loan. Ocwen failed to pay my insurance as a result. I had to pay it to prevent it from lapsing. Another time my payments were misapplied which created a delinquent notice being filed with credit reporting agency which lowered my credit score. Another time, I was scammed to send my Ocwen payments to another address which I did. I never received my payments back. Ocwen failed to notify their customers regarding fraud and scammers.

I would like to say Thanks to Ocwen for their understanding and finding a great solution when it comes to paying my mortgage. My family and I could rest easy at night knowing we have a roof over our heads because Ocwen. Thank you.

The Ocwen staff that calls me to remind me of the mortgage payment due are respectful. Knowing I lost my job in 2015 and was unemployed for 8 months, I am still recovering and occasionally I cannot make the payment on the 1st and sometimes late even past 15th, but they know I am working to get back to normal. High marks for Ocwen.

Ocwen is working with me and they understand the financial hardship I'm going through. The person assigned to my account is very knowledgeable and explained my options very clearly. I'm going to try a loan modification and he explained the process.

I'm in the process of filing a Chapter 7 BK. My goal is to reaffirm my debt after my debts have been discharged. I cannot file until I'm out of the hospital for surgery since the courts are strict about schedule changes. The minute I mentioned filing I was told I could no longer speak with a representative even though the filing has yet to occur. Other than that, the customer service representatives have always been courteous and helpful.

Why OCWEN is listed under mortgages, I don't know. I guess there's a loose association as they service loans for other subprime lenders, but make no mistake OCWEN is a debt collector. They are registered as a debt collector and use the same strategies as JDB's and the likes of the bottom feeders of the consumer predatory world. For a number of years OCWEN failed to pay any money into the escrow account associated with the mortgage attached to my mother's home, despite escrow being part of the loan agreement.

I have a nephew who before the mortgage crisis was a mortgage Broker. I had never owned a home but I let him talk me into buying. I had an affordable mortgage that turned into a nightmare. I didn't think it was fair. Got my state AG involved. They introduced me to Litton Loan who in turn gave me to Ocwen and I haven't missed a payment or been late since. I do pay it towards the end of the month due to my disability check's arrival but since I've been with Ocwen I am stress free and I would recommend you to anyone.

Was invited to loan modifications and promised lower payment. My trials payment was $1590 and I was promised to get same payment as trial or nearest cash value. My loan never have balloon and principal was $374000. During modification process I was able speak to modification officer. I signed and notarized modification application. Then after some time I received final modification agreement. I get literally shock. My principal rose to $480000 and get also balloon payment $230000. My monthly payment rose to $1890.00 a month.

I am very happy with Ocwen for the way they have helped me over the past 5 years with modification with my loan. Now they are helping me to go thru another modification again. Helping people is what they do. This is my 2nd modification and Brett call me and walked me thru all the paperwork. If not for Ocwen I would of lost my home. I am a special needs bus driver and my hours are cut during summer. Thank you Ocwen.

RJP

Ocwen moved their loss dept from Texas to Ohio. My sinkhole claim was explained to the Texas office that I as the homeowner in the state of Florida by law can repair their own home as the contractor (Florida statute 489.103) and are exempt from contracting license by florida law. The Ocwen Texas office received my sinkhole claim in two parts. One, for subsurface ground repair from the construction company I chose and two, I as homeowner doing all cosmetic above ground repairs not related to subsurface grouting and underpinning.

I closed my Chase checking account months ago. I had 8 accounts in automatic payments and I had no issues with any of them. OCWEN continues to collect payment from a closed account. Because of this, it shows I have been making LATE payments. It's disturbing since I have been making payments on time with a new bank account. OCWEN has forced me to make payments via MONEYGRAM. It's truly a hassle and time consuming (not to mention I have to paid EXTRA fees). I have called multiple times to fix this SIMPLE issue with no results. They tell me "it's the software that automatically does it" and they can't fix it. I am in the process of retaining an attorney.

Refinance to a fixed rate. It did not take a lot of time to go through everything. Our preliminary applying info. was quick & organized partly because we did our homework - my wife and I. We'll finish up the paperwork on Monday the 17th, if all goes well, and no big closing costs surprises.

Ocwen transferred mortgage to Nationstar and we needed a detailed mortgage analysis since the transaction. The representative was very professional and accommodating. He was very helpful and reassuring that he would provide the time and assistance necessary to resolve the issue.

After Hurricane Matthew devastated my area in October 2016 I contacted Ocwen and was grateful to be told that I could enter an agreement and not pay my mortgage payment for three months, with the understanding that those three payments would be divided among the following months resulting in increased mortgage payments. Sometime later I received a notice from Ocwen about my account being past due. I called and was assured by the agent that my account was being reported in good standing. The next month, the information was on my credit report showing I was 60-90 days late. I called Ocwen and directed to write a statement about the incident and fax it to Ocwen, which I did. After they researched the information, I was elated when I spoke with the representative and she told me they sent a message to the credit reporting agencies to correct the information for November, December, January.

Any time I had a question or request and I would come in contact with an Ocwen representative, I always received accurate information and the representative was always helpful and knowledgeable and resolved any issues quickly. I was always impressed with Ocwen. They're a 10 out of 10.

OCWEN handled my mortgage loan with accuracy and customer service was excellent. Never any hidden fees, easy online access, and never any issues. I appreciated the customer service and ease of online use for all necessary follow-ups and issues. Thank you!

Ocwen always kept us updated on changes with escrow, we were never surprise when taxes or insurance caused our payments to increase. Ocwen offered bi-monthly payments which made it easier for us to manage and also helped bring the principal down. Any questions I had they were quick to answer. At the time of the home loan our credit scores were low but they were able to offer us the lowest interest rate among their competitors.

We are happy with the outcome. It was the first time we had applied for credit since the troubles of 2008, and so we were surprised by some of the documentary requirements. It would have been nice if we had started with a comprehensive preview of all the documentary requirements so that our expectations might have been set more realistically. Nevertheless, the officer and processor did fine work and we are happy. We accomplished our goals with their help.

Ocwen could not find a way to reestablish our loan modification or offer to assist with any other way to help us keep our home of 10 years. We were denied for all programs. We are now facing foreclosure.

The customer service representatives at Ocwen Loan Servicing have helped us thru financial difficulties by assisting us in and thru the modification process. They were informative, cooperative and professional at all times. All of our terms and conditions were fully explained and accurate when the time came to sign the documents. As customers we are very satisfied. Thank you for your time.

The customer service representatives always provide accurate information. I have never had to call back for repeated info. It's always been a one-call resolution for me. The reps have always been courteous. I am certainly glad that Ocwen pride themselves on superior customer service. Thank you Ocwen.

No issues with mortgage process. It was irritating when the company representatives would call with a slight attitude if your mortgage payment did not arrive by the 15th of the month. More than one occasion, the individual was more interested in almost demanding payment on the spot rather than waiting 2-3 days for the next pay day. This is the primary reason we chose not to refinance our home with Ocwen.

Smooth transaction for paying off loan after selling my condo. Received email confirmation quickly after my last payment was received telling me that I had a 0 balance. Great experience and would highly recommend working with OCWEN in the future.

Ocwen bought my loan from another bank. I noticed the difference in their website. It was easier to navigate and pay my bill. All the info that I needed was easy to find. It seemed like their goal was to help you pay off your debt.

We received a mortgage modification from Ocwen in 2013. I lost my job of 17 years, at the Milwaukee Journal Sentinel during downsizing. It was a very trying time in our life. We had fallen behind on our monthly mortgage payment and the people at Ocwen helped us save our home.

Unfortunately we have had OCWEN for 11 years with our home loan, recently I have noticed issues. Send out payments ahead of schedule and funds would not be posted to account for a month. Call the company and complain and get nowhere. I have sent now certified mail, overnight mail with tracking and still funds are not posted in a TIMELY manner and Ocwen calls and tell you, "Your payment has NOT been received," and you tell them it was signed for on a certain date and they say, "Well um we haven't received it." BS. This is UNEXCEPTIONABLE behavior from a bank that claims they are for their homeowners. I am beyond angry at OCWEN.

Representative was informative with the question I had regarding my flood insurance and even gone the extra mile for another representative with additional information to make sure I was satisfied. And dealt with in a professional manner.

My experience with your staff was less than ideal. The biggest problem was language. The person I spoke with named Hernando ** was speaking broken English, most of which was unintelligible. I needed to ask him numerous times to repeat himself. He would give me a time to call me back. I would make arrangements to be here at the stipulated time, but he would call when I was out. It's probable I wasn't the only one to have a similar experience. Consequently I am exploring other options. Until this unacceptable situation improves, you will be missing out on much business.

I am presently completing the packet for submission for loan modification. Every phone call with Ocwen has been positive and helpful. All the representatives have been understanding and accurate in tracking my information.

2016 interest summary paid to get doc to my tax preparer - Very quick response by the OCWEN Customer care rep. Received summary via email in minutes and delivered it to my Tax expert right away. Very responsive and courteous care.

Ocwen bank helped for my loan modification. The process went through very smoothly without unnecessary communications and confusions. My relationship manager was very professional and helpful. I highly recommend this bank to all my friends and family members.

Ocwen customer service is NO HELP. What's worse, all of their reps are outsourced to another country. I have yet to speak to anyone who doesn't have a very thick, foreign accent. My house is located on the county line, in Madison County, NC. My mailing address is a Buncombe County mailing address. When I paid off my loan in 2014, Ocwen recorded the cancellation of my deed in the wrong county. I am selling my property and the buyers cannot get title insurance because of this error. No title insurance = no sale. I have been calling Ocwen for nearly a month with NO help. Just empty promises. This company is a joke.

As a mortgage holder I find it disturbing that all correspondences from you let me know that "you are a debt collector" and that all information can be used in collecting my debt. I have a mortgage and I pay my bills. I also appreciate the reminders to have enough money in my account to pay my mortgage.

We've had financial setbacks in the past such as loss of employment, health issues, etc. Through it all, Ocwen has stepped up to help us make our struggles more tolerable. Their consultants have been very helpful and understanding. I would surely recommend them to those who are in need of their services.

I am very satisfied with the company, they were very helpful in every way to make sure that I get the help that I needed, and gave me a callback to any concerns that I may have. Right now in the process of another remodification and am looking forward to hearing good news from them.

I am very happy and blessed to have Ocwen has my mortgage Company. I have had lots of ups and down being self employed. They were there to assist me and for that I am grateful.

A tremendous teamwork through Ocwen customers service. They're great supporters/outstanding customer service 1010% helpful. One of the greatest program to help & work with the home owner's family/friends keep their homes. Ocwen is the King of American land.

I am very grateful to have been part of OCWEN customers. They were there when I need the help! I would highly recommend them. Always ready to help in trouble time or just as simple as making regular mortgage payment. They were very informative and sensitive to our needs. Thank you to all of OCWEN staff.

Ocwen Financial works very well with the state of California. Keep Your Home California. To help us stay in our home. Without the cooperation of both agencies our family would have been homeless. The only thing I can say is we would appreciate being able to get paperwork faster and maybe to get more clear answers when we can call. Sometimes they don't give complete answer to questions. That can be frustrating but they did very well cooperating with Keep Your Home California. We had a very good contact person with Ocwen Financial. Most of the time when we call we get very good point people at Ocwen. They do try to help. Without them we wouldn't have our home. They did very well getting paperwork back and forth between institutions and letting us know where we were at in the process. This kept us from being too stressed during a very stressful time. Thank you Ocwen Financial.

The relationship manager took the time to explain all necessary options. She frequently inquired whether or not I understand the facts. She was very polite and accommodating. She made me feel at ease with the entire process (modification). Her voice was soft and reassuring. I would recommend this company to my friends.

My experience with Ocwen. Ocwen is the best company to do business with. My two properties was upside down couple years ago. I struggled to make it work with other banks. They refused. They tried to foreclose on me, but thank God Ocwen step up in. They rescued me. They saved my houses by modified it with the lowest rate that I can afford to pay.

They called, said hello four times. You think they would call back about my bill. Nothing. It's hard to get through to you. Please call me and let me know what's going with the sewer bill that I sent you two weeks ago. l spoke to a loan officer I believe. Thank you.

I called Ocwen in reference to how long it would take to receive my escrow funds after I pay off my loan. The gentleman that I spoke to was extremely helpful and knowledgeable and answered all of my questions.

The representative Naveen ** was very polite and helpful. Very patient. He made sure I understood the instructions I had to do. When we finished, he took the time to ask me if I understood everything. I said yes, we ended the call.

The customer service that Ocwen gives is amazing. They are willing to help their customers, and if they can't help you, they always find someone who can! I would recommend them to anyone who asks about them.

I had a problem for the first time since I have been paying my monthly mortgage payments online. Even though I made my payment on time, for some reason the payment did not go thru. I have no idea why and was so upset when I found out my mortgage was late and I had no way to fix the problem until the next day. I immediately, made a payment via Western Union, and then I noticed it was also going to be a late charge. I once again made another payment. I was so paranoid that night I was not able to sleep. The next day, I spoke to Ocwen representative and he assured me, I would not be reported late to the credit bureau, which was my main concern, since I have been trying very hard to repair my credit.

I recently switched Home Owners Insurance Companies and had to report it to Ocwen. The checks got crossed in the mail and it got somewhat confusing. I then called Ocwen to explain and I spoke with the kindest and most professional Ocwen representative ever! He explained exactly what happened, resolved it and we were both on our ways. Thanks so much for taking the extra time to help.

I had received some information in the mail from my mortgage co. which is Ocwen. I read it and did not quite understand it, so I called Ocwen and explained my situation to the rep. She was very helpful and took the time to explain everything to me, and made sure that I now understood. She was very polite and showed sincere concern for making sure I was taken care of. And that made me feel good, I knew then I didn't have to worry.

Very helpful. I didn't know how to do the online automatic payment and the agent was helping me, took his time and very patience of walking thru the setting up the automatic deduction mortgage payment from my checking account.

I have been a customer for over 5 years and have experience excellent service from Ocwen Financial Corp. This company is customer oriented and very professional putting customer first. Great Services Provided.

I filed a Chapter 7 BK five years ago and the mortgage was not reaffirmed. I won't get into specifics on why, but I had been making timely payments, since then. I contacted Ocwen, to see about reaffirming the mortgage... Since I'm paying it, I would like it to be reported to the credit bureaus. I was told that Ocwen would not reaffirm the mortgage, and I should request that the BK be re-opened. This is disappointing to hear. You would think that after five years, of acting in good faith, customers would not hit these type of roadblocks.

I call Ocwen requesting a form I need for tax services. The representative was very polite and knowledgeable of what I needed and offer to email instead of waiting in the mail. By the time I was finishing my conversation with him when he said "you should receive it shortly mam" it was on my mailbox. I end up doing my taxes at that same day, which was immensely helpful. It was a Saturday so I didn't had to wait or take day off work in the middle of the week to have my taxes since April is behind the door.

I sold 25 years worth of monthly payments to OCWEN for an agreement of 100k. At the end of it all I only received 26,500. I'm having a hell of trouble collecting even just getting a hold of the representative who handled my transaction. His name is Andre ** he is a real scum bag. He deceived me and I'm sure I'm not the first or the last so beware please.

My experience with Ocwen Loan specialist has been heart warming. The retention Loan specialist was compassionate, polite and knowledgeable concerning my situation and what I needed to do. Also, he has followed through on returning appointment and assisted in ways which I needed to complete my application. Thanks.

I fell behind on my mortgage quite some time ago. I have multiple sclerosis and was medically retired overnight, at age 36. My income was cut in half, but I still had a child at home to finish raising. After trying to contact Ocwen about being unable to make my payment, I was simply told I had to make the payment. I explained my situation and that I had been in the hospital for 10 days just a week or so earlier. I was rudely told to make the payment. I asked about making an interest only payment, partial payment, etc. I was only about $200 short. I was told I had been making the payment and I needed to continue making it. I was further told that no help was available for me since I had been making my payments on time, assistance was only available for those who were behind on their payments.

I have had my home on automatic payments for 4 years and just realized that PHH stopped taking my payments in February this year (2017). I started getting weird letters in the mail from a loan care company that I did not understand. Then looked at my account to pay and catch up and it won't process my payment because "function is unavailable". I am unimpressed with the lack of communication and my wife was shocked when someone showed up at our house and served us with foreclosure notices... How can I pay if I'm not able to pay or get through to pay this mysterious entity...

I received a loan modification from Ocwen that helped me avoid foreclosure. The experience was absolutely tremendous. They did what they said they would do. Their relationship manager kept in touch with me and provided great service when I thought I was going to lose my home. I thank Ocwen for helping me get back on track with my home loan.

My mortgage was sold to PHH mortgage and it has been a nightmare ever since. They continuously lose your paperwork. Due to a family emergency I missed one mortgage payment. The next month they wanted 2 payments they raised my payment 374.00 a month. I was told to apply for homeowner's assistance. They kept losing my paperwork. After 3 months I called to pay what I owed, I was told it was in an attorney's hands. They would not accept my payment. The Atty wanted 2000. I was declined assistance. Was told to appeal and was declined for a totally different reason than the first one.

I requested a modification because I was employed for 7 months. When I first applied I was on unemployment and was told that I had to have a job. I was under the impression I would lose my home. My relationship manager worked with me. I informed him that I was starting work real soon and he said once I started work to reapply. My relationship manager was awesome and he worked with me and understood my situation.

We have recently completed a modification to the mortgage for our home in California using Ocwen Loan Servicing, LLC. Ocwen kept us informed of the status of the modification from the time we knew that help was needed until the modification was completed and accepted by all the parties to the mortgage. They responded promptly to our questions and assigned a Relationship Manager for us to use as a single point of contact.

On March 27, 2017 I telephoned Ocwen for assistance. I was requesting a copy of a tax form for filing my income tax return. I could not be more pleased with the professionalism and customer service received from the gentleman I spoke with! Thank you very much!

I am a court volunteer and I serve as a guardian and conservator. I become appointed by a probate judge, for the elderly or for people who have been deemed incompetent to handle their finances and sometimes all decision making. I have had to try and work with PHH Mortgage, when some of the individuals that I have been appointed to, have PHH as their mortgage holder. I write a letter to PHH with my certified letters of authority with the court order. They have chosen to ignore this court order time and again and refuse to acknowledge that the individual I am serving in this capacity has been deemed incompetent to handle their financial affairs and in some cases, not able to make any decisions on their own anymore.

Ocwen was our home loan company for 11 years. They were the easiest and best company I have ever worked with. I was disappointed that when we bought our new house that we would have to change loan companies. Their website is very easy to use. You can get all of your tax papers right off the website. Back statements needed? All available.

I have had difficulty with PHH Mortgage since my mortgage was sold to them four years ago. They recently sent me a letter stating that they were notified that my home was vacant and it is not. We currently owe $112,000 and our property was appraised at $187,000 for our refinance four years ago. It seems PHH mortgage tends to "bully" its customers and find ways to gain a property by unethical ways. I would not recommend anyone to get a mortgage from PHH mortgage. They are not an ethical company.

They have been a nightmare after a couple of months after I closed for my first home. Random fees, surprise overages, made up numbers in shortages and the list goes on. Even worse is their foreign call center. Worst of all is that they don't even listen to what you have to say. I explained to them what my problem was with extremely high shortages even though I did escrow. My taxes went up by $76 dollars and all of a sudden my shortage was $5,800. I called to have them explain what is the shortage is for if it was only $76 dollars. Their unforgettable answer was... "YOU JUST HAVE TO PAY THAT!" I asked them to explain and they just kept telling me was "YOU JUST HAVE TO PAY THAT!"

Through out the years. They helped me keep my house especially when the economic meltdown of 2008. They lowered my mortgage and the price of the house from the original purchase price. Till today when I have the chance to refinance, Homeward Financing which is an affiliate of Ocwen gave me an opportunity to refinance with a much lower rate.

Loan service isn't exactly the kind of thing that I would recommend to a friend but my experience with my service rep was Awesome. Very attentive to my needs and willing to meet those needs in a courteous and personable manner. The whole thing was truly painless, which is the opposite of the reputation of the industry.

I would recommend Ocwen and Homeward Residential at the top of my list! We have been Ocwen customers since 2006 and when it was time for us to refinance I was solicited by several banks but chose to use Homeward Residential because they are affiliated with Ocwen. My loan officers, Ronald ** and Jordiana ** were very responsive and just a pleasure to do business with and I'm sure everyone knows that this is not a fun process but they made it very easy and this was the fastest loan closing I have ever been through! My husband and I have worked very hard to clean our credit up and we were rewarding with a great interest rate and even able to take several years off our loan saving us thousands of dollars! Thank you very much.

They can never find me in the files as an authorized person, you can never call in and speak with person handling loan when you call, they charge for everything unless someone who is in charge waive fees, and they don't make it easy to find other options without a lot of changes to qualify before they are changed again. I don't feel they are out to help those who are having problems or make affordable payments just out to get there property.

This is a factual representation of my experiences. Dual tracking and extensive paperwork denied our mod the first time and we hired a document processor then. They finally accepted it after 8 months. They told us not to pay or we wouldn't even be considered for a modification. Dragged their feet and delayed timely processing of the mod. Predatory lending practices and discrimination because of the ridiculously high PMI. I had good credit and so did my co-signer, but I am dark skinned. Redlining just to name a few.

Ocwen is terrible I would give them an F. I filed bankruptcy and completed it paying in full all of my mortgage. It was paid in full Nov. 2016. Dec 2016 Ocwen sent a letter to the courts saying I owe another $6733.00. The court sent me letter. I contact Ocwen and find I have $12951.23 in suspended account which would cover if I owed more with a refund. I had them (Ocwen) to draft me a letter with this information 12/14/2016. On 12/15/2016 monies was reversed out of the account. No one can tell me where it went. Later I talked with supervisors and other staff twice a week until today 3/13/2017 with no statement letter saying the account is paid off, and their lawyer can not even get information to my lawyer about the account. So out of four different mortgages, from three other companies I have sign off of the deed in 2016, this one; three months later I have got nothing. My plan ended Dec. 2016. It is now March 2017, nothing!!!

I sent in a payment by FedEx on Feb 22nd, they received it in February 24th (paid extra so they could receive it asap). Someone signed for it from Ocwen (S. **) and they haven't been able to find it!! It is March 10th and still nothing. All the while it is showing my account as late, messing up my credit. Now they want me to send a copy of the check! For what they have the original!!! It is Friday so it looks like yet another week of not being able to find this check.

You ask why I gave a high rating. Well I am glad you are my lender. You have been with me thru a divorce and then being a cancer survivor and thru the court awarding custody of my two grandchildren. I have had a real struggle but I haven't been late on any payments in years. I only wish you could help me now. I got laid off from my job in June. My son was helping me but he fell and broke his leg so I had to help him. He is back to work now, but I still need to refinance my loan to do the much needed repairs on my house. When I speak to someone about refinancing this mfg. home it's like I have the plague or something. It's worth a lot more than I owe.

PHH sold my mortgage to another company. Then reported that I was missing my payments because I was sending payment to new lender. These people are idiots. It does no good to try to talk to them. I do not think they understand English.

I was having difficulties paying my current mortgage payment. The representative I spoke to was able to help me with all of my questions. I filled out the loan modification over the phone. This is quick, convenient and saved me time with submitting the application.

I was so excited that my HARP loan modification was approved but 8 months into the actual loan I found there was an accounting error that now has caused what seemed to be a savings grace is now a nightmare that no one (including the Ocwen Research Dept) could resolve. My loan is one month behind even though I have paid every month, I'm receiving numerous collection calls, and they are adding late fees. I've been made the victim of their error and I will have to endure this until I can pay an extra months mortgage.

The person I spoke to was excellent. She heard my concern and offered to follow my account and call me back the next day at 3 pm (2/28/19). She called me at 2:58pm with the information I needed. All companies should use this experience to show top customer service. She listened carefully, validated my concern, and followed-up like she promised. I couldn't be happier with the service she provided.

I have had a long and torturous experience with Ocwen and want to alert others to avoid using this company if at all possible. My experiences with them were as a result of the death of my father. The family home had a second mortgage with Ocwen and so I began dealing with them shortly after my father's death. It took months to get them to acknowledge receipt of my father's death certificate and then when there was a refund due on the escrow, they issued the check in my father's name, even though they had the death certificate! How crazy is that? Why would you issue a check to a dead person. I spent many months getting this corrected, in the meantime Ocwen held on to the funds (over $1k) that my mother on fixed income could have used. Agents did not return phone calls or emails. Very frustrating experience.

I had been on this program for years then they wanted to discontinue it. It benefits me having this program so that I don't have to worry about not getting it paid on time. The representative was very polite and walked me through the whole process to getting reactivated. I hope the program continues until the end of my payment program.

Every single time I send in any extra monies I write APPLY TO PRINCIPAL ONLY on my check and every payment I send this company either hides the money in a suspense account claiming they don't know what to do with extra monies or they apply to future monthly mortgage payments and collect interest... Every single time... I have to call in and explain what is clearly written in my note section of my check EXTRA PAYMENT TO PRINCIPAL ONLY. This company fraudulently claims "oh our mistake" and waits an additional 2-5 days to put monies where they should go meanwhile collecting interest on those additional days. Yes I am aware it's only a couple dollars here and there and a huge amount of time and stress for monies to settle as they should. Highly unethical business practices and frustrating not being about to trust the company that holds all the cards on literally the largest debt I own that I am trying to payoff earlier than scheduled.

I would like to thank Ocwen for helping me to believe that miracles do and can happen for people like myself. I am a 60 year-old disabled widowed woman living on a fixed income made it very difficult to keep up my mortgage payments. I was behind in my mortgage payments and at my wits end, and I thought I would lose my home and become homeless. Taking a chance I called Ocwen, after explaining my situation, I applied for their home modification and to my surprise I was approved. I was shocked because it seemed like these things only happened to everyone except me.

I call to explained that I received letter from Ocwen that stated I have to make mortgage payment through Western Union. The lady told me while the decision was make like that I was even more angry and I told her I don't want to hear that. She was calm and told me other alternative by bank wire or bank certify check. After 5 minutes that almost lead to argument with her patience I listen and problem solved. She was a professional.

I was treated fairly throughout my experience with this loan, but unfortunately, like so many others I bought at the wrong time and the value of my property went through the floor. When I lost my tenants I could not afford the property and I applied for a deed-in-lieu. I have been treated fairly and courteously throughout this process with complete transparency and consistency. If I ever buy another property I would certainly consider Ocwen for financing and would recommend them to friends and family.

The lenders are very helpful to all and very respectful to all families. And will help you regardless the matter. They want you to keep your home not to sell it and be in the streets so yes the best bank I was ever with. Thank you Ocwen.

Great company and friendly staff. I was able to refinance at a great percentage, they saved me from foreclosure. I'm able to afford mortgage, taxes and insurance all in one affordable payment. I am grateful and blessed. Highly Recommend!!

A few years ago, both my husband and I were laid off from our jobs, and got behind on our mortgage. OCWEN was great in working with us and modifying our mortgage once we were again gainfully employed. They have been awesome!! We just love them!

I had not logged onto the Ocwen website for a very long time, but when I did the site wouldn't accept my login. I called Ocwen and spoke to a very nice representative who stayed with me throughout the entire scenario of changing my login and password. Since I'm far from being tech savvy, I really appreciated the patience and individual attention the representative gave me.

Ocwen literally saved my home so my family of 5 could stay in our quiet little village we call home. With the economy bordering the depression of the 1920s, paying bills, saving for college, and the crazy idea of saving for retirement was a tall order. With one phone call, Ocwen almost instantly restructured my mortgage, allowing me to make 3 hefty payments to show them I was serious about saving my home and in turn showing them I was faithful. I passed and the savings were astronomical. I always take their calls because they want to help and they went above and beyond that. To this day, times have gotten somewhat better but still a challenge. They allow me to tell them when I will make the payment and in turn, I without hesitation, pay the minimal $10 late fee. They trust me to do so and I do. I can only hope my mortgage is never sold off to another service provider. Their customer service is 2nd to no one. Thank you Ocwen!!

Ocwen's online bill pay website has recently been improved. Now I able to access the pay date Calendar on my small Galaxy Core Prime cell phone and this makes it possible to make my payments with my cell phone anytime and anyplace. Before this improvement I would have to go to another computer (which was very inconvenient) to make my payments instead of using my cell phone.

We have had to deal with a loss of income and calling upon Ocwen they were so understanding and helpful. They always made every effort to help us and understand what we wanted to stay in our property. The stress of falling behind was Relieved when Ocwen helped out.

You folks at Ocwen, especially my account managers, have helped me and my family save our home. Thank you. There isn't more stress than being a father and mother of 2 awesome kids, 2 dogs, 2 cats, a Guinea Pig and a bunny and knowing you are on the verge of losing your home. Indescribable.

I recently had difficulties and requested a loan modification. Ocwen was very responsive and the process was relatively easy. Once my paperwork was received, they processed it in a timely manner and took a huge load off my mind. The account managers I spoke with were all courteous, friendly, and knowledgeable. They were understanding and assisted me through the process when I needed it. Great people! Thanks, Ocwen.

After a few weeks of negotiating with Ocwen, my opinion hasn't changed that much at all. Rather than me dealing with employees in India, I deal with employees in the U.S. It remains questionable as to WHY my payment adjusted multiple times within a few months. An escrow analysis is only conducted once per year.

Ocwen has dragged us through a non-ending nightmare of paperwork, going on four years now, all while our principle mortgage keeps racking up. So far, they've dragged it out so long, we owe them more than it can be sold for and we will most likely be forced into bankruptcy. There should be laws against institutions like this!

Ocwen was able to help us and modify our mortgage to a more manageable payment when no one else would. The process was taking close to a year with our previous mortgage company but Ocwen bought our loan and one month later the modification was complete! Thank you!

I have been diligently trying to assist a close friend with a loan modification with Ocwen. They have taken us through the process, only to find out THEY WILL NOT DO IT. My friend is 77 yrs old, is on oxygen and is not able to work. Her husband was tragically killed in a car wreck back in May, 2016. She has $1,644.00/month from SS benefits. The loan rate with Ocwen is outrageous and out of line even for today's times. I don't know where to go from here. Do I contact the Bar Association to obtain any law firm that might be handling other case complaints such as mine? I don't know who to file a proper complaint with in order to get some action filed.

Ocwen has screwed us from the beginning. They contacted us and offered to lower payment when my husband was ill. They told us NOT to make our payment and then they put us into foreclosure and the following 10 years were a nightmare of messed up paperwork, phone calls and promises that did not match letters received.

During the selling of my home after 16 years, everything went smoothly. My experience with Ocwen was professional & all necessary information was expedited. I called before closing for directions that would facilitate all transactions. The instructions and information were correct and I appreciated Interacting with Ocwen. Thank you!

Ocwen has been a life saver to me. When I had hard times they worked with me to stay in my house. I will always be grateful. Ocwen continues to be supportive and understanding. I would recommend the company to anyone looking to have a mortgage company that is human.

I can't believe the reviews I'm reading on this site. I tried getting a modification with Ocwen. The whole process took over 9 months. I filled out mod package and faxed it back. About every 2 weeks I would get a letter stating that paperwork was missing. This went on for 9 months. In the meantime I was told the best way to get help was to fall 3 months behind. At the end of the 9 months I was told that the group of investors denied my modification. I asked my relationship manager why and was told that I filled out the paperwork wrong. I had to pay 4 months of mortgage payments or lose my home. Ocwen does not help homeowners. They just want them to default so they can take over the home. These reviews must be written by ocwen. If you do any research you'll see that the reviews on this site are so different from all of the rest.

I have had a mortgage with Ocwen since 2004, I've tried to refinance my Mortgage since the recession, because my interest rate is 6.55%. I've sent in 4 packets of filled out to do a loan modification. I've emailed all the documents 3 times and I paid $28 to mail them all the information for the refinance, and they said they could not find it, however, I sent it with a signed receipt from the USPS!

Have proof that my bank sent payment to the right place and on time. PHH rejected it - sent it back to my bank with no explanation, then claimed they never got it. I have screenshots from my banking statements and other communication from my bank proving payment was sent to the right place and on time. Now I get these phone calls from call center in India I cannot understand and they claim to be from PHH but demands I give them account info when they call me - sounds like a scam. WORST COMPANY EVER, well, maybe apart from Land Home Financial, Chase, or well, I'm running out of options...

I had great experience with Ocwen. The representatives were very nice, helpful, very eager to listen. They care about customers. They are here to help. If I ever need a loan again, I will call Ocwen. I will recommend my friends to Ocwen. They made my calls very pleasant.

Because Ocwen has great customer service and willing to help whenever. Ocwen assisted me with my loan. Answered all of my questions. If the rep didn't know the answer, they would find out. And if they couldn't find the answer while we were on the call. A rep would give me a call back at a later time. GREAT JOB!!! To all of you! And, thank you for everything.

Tried unsuccessfully to refi a house for over 1 1/2 years. As long as I was paying the 8.25% I kept getting the run around from numerous employees in India who had difficulty with English, but were great at asking for more paperwork; or the same paperwork in a different format. Worst financial company I've ever dealt with. My recommendation to get anything done' stop paying.

Agent was knowledgeable, polite, gracious and well articulated. He took his time to answer my questions, gave me various options to help me in future websites and telephone numbers of where to get further help when necessary. He made appointment for me to talk to relationship manager.

We recently sold on a house. Ocwen was very quick to answer any questions and finished the mortgage payoff process very quickly. Ocwen had great customer service the entire time we had out mortgage managed through them. I would definitely use this company again.

Ocwen was efficient and helpful with all matters related to my home mortgage. They processed payments quickly, accurately and responded quickly to my questions. I would certainly recommend Ocwen to anyone that asked me.

I called Ocwen because I was upset about the payment increase. The young man who helped me was patient and explained everything well. I am not happy to have the increase since I live on a pension, but, I guess I have to live with it.

This company was very nice when I needed to re-modify or make payment arrangements. Just sold the home and it was a pleasure to work with them. Not like some companies when you make arrangements they just keeping calling anyway. Was very pleased.

In working with Ocwen to manage our mortgage I found the experience to be one that was easy (in terms of payment, and getting customer service), reliable, and straightforward. When I had call to contact customer service I was always provided with an answer (both verbally and written). My only problem with the company were extra charges for ancillary items like a Financial Insider subscription etc. I never asked for these, but they were assigned to my bill, and it is left to you to request to have them removed. Seems it should be the opposite. They should be offered, with the default answer being no. That policy needs to be corrected.

Ocwen kept things simple. I have had my mortgage with Ocwen for over 5 years and although I had a few hiccups along the way I was always treated with respect and professionalism when I would speak to a representative. I appreciated all the information they provided me whenever I would call with a question. If I were to change anything about Ocwen, it would be that the Automated system would not call to remind me of a payment due on a Sunday during church and the date being only the 4th of the month. I could not help that the mail service was slower than Ocwen's computer. Otherwise, my experience with Ocwen was great.

I called OCWEN to let you know that I was going to be a few days late with my mortgage payment due to a problem with my direct deposit. I expected to be treated poorly, like I have been in the past when contacting a creditor. Instead, the representative was extremely helpful, made the notations to my account, and suggested ways in which I could keep this late payment from impacting my credit. I was so shocked at being treated with respect and helpfulness, which is so different from the treatment I have received from other creditors in the past. This made a huge difference in my day and makes me very happy that OCWEN is my mortgage servicer.

You are the worst mortgage company in the world. You stole money from me, but in order to clean up my credit, I had to make payments I had already made. Your customer service people are horrible. Most do not understand or speak English. I speak very poorly of Ocwen every chance I get. You people are absolutely terrible. You caused my family much distress and anguish. Karma is a ** and what goes around comes around.

Only good thing they remodified our loan. Bad thing is they sent payments back and said they were gonna foreclose. We sent payments. They can't foreclose. We think they are doing this on purpose to try to take our home cause it's worth more than we owe. We are going to get other help and a lawyer.

I have just refinanced with my current mortgage holder, Ocwen. I refinanced with Ocwen because I have been extremely pleased with the service I received. Refinancing at a lower interest rate was an easy process. Ocwen representatives are extremely pleasant, courteous, professional and knowledgeable. They every question in clear and concise language. Please share my appreciation with them.

The relationship manager guided me through the process which helped know that this company is caring and concerned about me and my home. No pressure was applied. He was knowledgeable of how I can be given the paperwork to complete staying in my home.

Ocwen is a company that has worked with me to help me keep my home!! I truly appreciate the fact that the people that are employed with Ocwen aren't rude and unprofessional. It helps a lot when you are in need!

In January of 2016 my Ocwen mortgage payment was stolen out of our mailbox and used by the person to make a payment on his AT&T credit card. I didn't find out about it until Ocwen called about the missing payment. When my bank and I discovered what happened I was told to file a report with the police and the post office and then to contact Ocwen to inform them. Until my bank could reimburse me I asked to make the payment over the phone with a credit card to avoid the payment being late. That was refused. I borrowed money to make the payment and sent it to the address they gave me in Texas! My payments normally go to Illinois.

I have not had any bad experiences with Ocwen. My health and financial problems have not been Ocwen's fault. The people that I've dealt with have been very efficient, polite and competent! I am sorry that I have had financial problems due to breast cancer. I am now praying that I do not lose my home due to my own fault. Hopefully, Ocwen can and will give me another chance now that my finances have improved in 2017.

Setting Up Bi-Weekly Payments after 3rd Party Termination - Heather was the representative I worked with after my less than stellar review. This review came after Ocwen did not renew its contract with the 3rd party vendor handling payments. Heather's number is **. She took care of reversing the payments and making corrections and guiding me through the set-up process over the phone. The first representative I spoke with told me there was now no bi-weekly program. I was pleased with Heather for staying with me until the account was set up to my satisfaction. Thank you for operators like her.

Worst customer service not just once but almost every time I call. I wish I would've read reviews before doing business with this company. Oh wait my loan was sold to them and I've had nothing but trouble every since.

The experience was terrible. As a co-mortgagor, I was never able to get correct information. The "first name" on the account (other mortgagor) declared BK and included the property. I maintained the payments on my own for 7 years. I never received a monthly statement, a 1098, etc. I called in several times and it would take VERY long to even be allowed to talk about the account. I am filing a notice with the CFPB.

I have an adjustable loan being serviced by Ocwen. They have adjusted my monthly mortgage payment based on new interest rate and current principle balance, however when I attempted to reduce my principle balance prior to the loan anniversary date, they refused to adjust down my new monthly payment. They cite their internal procedures for this denial of service which goes completely against my loan agreement and they don't care.

I qualify to remove PMI. After getting the runaround, I finally am able to get them to tell me that I need to send an email to a specific address with a specific header and information requesting that I cancel. That triggers them to send me a letter with a form to fill out with the same information in the email and mail back. That then triggers them to call me and say that they can proceed once I pay the $105 home valuation fee... but that they can't process it right now, and they will call back in a few days.

Help me update my mortgage during a hard time, the support was great. Through the coaching I shopped for an affordable insurance which cause my escrow to increase beyond my reach. Now, I'm back on track and strive to complete my mortgage before I retire so I may enjoy life.

When I call the refi line, I am always prompted to leave a message with name phone number. They haven't returned a call in four months. Never!! Why direct customers there if nobody ever calls you back? From November 2016 thru the present day not one returned call.

I enjoyed working with Ocwen over the years. I had a little difficulty navigating through their system to find information, such as when the taxes were paid. However, overall, I was satisfied with Ocwen.

OCWEN was contacted to clarify the process for making alterations with my home-owners insurance. The customer service rep. was very professional and was able to provide accurate information immediately reducing my stress level. This company has displayed great customer relations from my initial contact with them until the present time. OCWEN is highly recommended based on my experience.

Long story short, both account managers I work with went above and beyond to help me, and my tenants (one of whom is developmentally disabled) stay in my property after a encountered unexpected repair expenditures.

Ocwen was not our original loan company, and after the housing market crash a few years ago they purchased our loan. EVERY. SINGLE. YEAR. Since they purchased our loan we get a letter that states that we have an escrow shortage in our account. I live in a small house in a relatively nice neighborhood and I cannot BELIEVE that my taxes have gone up every single year to an amount where I am having to pay almost $700 extra due to shortage in a lump sum or, conveniently, they will split up the amount due into 12 and add it on to my monthly payment.

This company made my credit go down because they took my payment (monthly payment) from my savings acct instead of checking acct. They have all the records and still they wanted me to show proof and they would not credit my acct. for insufficient funds and that's why this company is a fraud.

For the last three years they have been paying my property taxes and my tax adviser has informed me every year that I am being overcharged for my property taxes. I have try to contact someone in the property tax department by calling the phone number they give on their website. However, the customer service answers and they make it very difficult for you to talk to anyone in the property tax department. I have to write a letter and wait for their response. It could take 30 DAYS... I am very upset with this service.

My relation manager Michele was very help and instrumental in helping me stay in my home. Due to loss of income, and being laid off. She help to obtain payments on my mortgage that I can handle at this time.

Great experience with customer relations!!! But recently Ocwen dissolved a middleman in the automatic withdrawal part of their business and then raised their rate $73.16 per month, instead of reducing after removing the middleman. I don't appreciate that!

My personal experience with Ocwen when struggling economically has been excellent. They has been there to help my needs. Ocwen has been following up my case with empathy and knowledge. Instead of rushing up to pay, they are offering alternative options to help me. I have heard from other people how difficult they have to deal with other companies and they lost of their homes. I refer Ocwen immediately as the first option to deal because they really help.

I have nothing but great things to say about Ocwen and I would recommend a friend. When I went through my divorce, Ocwen was there to help and suggested that I apply for the Re-modification loan and it helped to relieve the financial hardship. Two years later, I was laid off and Ocwen never tried to foreclose on my house. They kept calling to help by providing programs who could help with mortgage payments especially when it was a buyer's market. Ocwen went through the bad times with me, and I appreciate that in a mortgage company.

I have health issues and Ocwen works with me to keep me in my home. I have been a customer for several years and I can't say that Ocwen never tried to help me when I've really needed it. My Relations Manager is always professional and understanding, I can't say enough about him. He's a jewel.

In 2014 after my husband died, I was going to apply for a HARP loan so I could keep my home, however since I had not missed a payment I was not eligible. I then contacted Ocwen, and they assisted me in refinancing my loan, with their help I could keep my home.

I agreed with modification offered. Yet I am experiencing upkeep funds shortage for property's sudden repairs have come up. Even though I invested over $22,000 in renovation since 2015, I believe error in calculating percentage of Rental income to be set aside for upkeep drove up interest my rate causing higher monthly payments and funds shortage.

I got divorced about 4 years ago and they were going to foreclose on my home. I got my home in the divorce and I knew I was in trouble and didn't know what to do. My ex got everything including I had to pay off her credit cards, and new car. And if that didn't hurt they took $1000 a month. We had no kids together so I really took a ride. Well anyways got a call from OCWEN. Wow they saved me. We discussed it and we did everything online. They were and still are very kind and courteous. I can't really say enough about them. They were there when I needed them. I can honestly say I never had a better experience with any mortgage company. I would like to thank everyone at OCWEN.

I feel that in the past Ocwen was difficult to work with. I could not change my address without submitting a written notice to them. They changed their web interface multiple times. If it's not broke don't fix it - this just makes more work to relearn.

Had a little setback, needed help. We tried Save our Homes California, they couldn't help. Finally was able to get together with a Ocwen mortgage specialist, was able to help me and family with a plan that save our home.

Please hire people from the USA to determine eligibility and process loan assistance. I know it is the same guidelines, but hiring people from our country that understand our society, and our problems. Overall OCWEN does not offer help to the people in a hardship! Everything is a waste of time. Do not ask for help. You will not get any! I am very disappointed and ready to refinance with another bank when I can.

Needed a hardship modification. They were totally unhelpful. They strung me along asking for more and more paperwork until the program ran out and then their only suggestion to me was that I put my home on the market. Besides not be able to understand them because they are all living in India and can't speak English. It would be nice if America got these jobs back for people who need them here. They just threw me and my family under the bus. They are a horrible company to have your mortgage with and heaven help you if you have a financial hardship come your way. They suck at caring and their advertising on the phone and web is all lies when it come to helping you lower your payments. To add insult to injury, we just lost our son this last week. He died from a seizure. With him went his SSI income, so now we have even less income than before, but they don't care.

Was behind due financial difficulties but rescheduled so that catch up. I had nice experience with my designated agent who worked very hard to make sure that I got positive results. Other staff members of Ocwen who participated in one way or the other to make it a good experience were all professional.

I have had several surgeries in the last year and have gotten behind on my payments, I have a very hard time understanding the people that call as I have very little hearing left. E-Mail is the best and I should still be online to clear up my past due payments. Thank you so much for your understanding where I am coming from.

Twice I have had the pleasure of being assisted by associates in the Loan Modification Department in regards to an HAMP application for home retention as we are going through a temporary financial hardship. Both times they were extraordinarily helpful and compassionate. They made me feel as though Ocwen genuinely cares about helping us keep our home.

Ocwen was a very positive experience. We always had workers that showed a lot of care and compassion for our struggles. They always tried to help with different programs that were available. As we closed we had not issues arise through the whole process.

I refinanced through Ocwen and have been pleasantly surprised by the good service I have received. I usually access through a laptop but also with a mobile device. Any questions I have had have been quickly answered. I always receive my year-end statements early so I can do my taxes without delay.

My experience with Ocwen was very great. When I was in a tight bind, wasn't able to pay my bill. Ocwen work with me through all the my troubles. I just think Ocwen just for working with me through it all.

OCWEN only thinks about the money they can skim off mortgagors' payments.

We just refinanced with Quicken and I am so pleased. Your customer service was deplorable. It took calling every single month for months to get a representative to understand that when I sent in additional money it was supposed to go to principal. That among other things made my satisfaction with Ocwen terrible.

PMI removal and multiple delays in processing our loan modification -- We were in anticipation of have our PMI removed soon as the interest-bearing part of our modified loan is at 81.8% LTV. We also have a post loan mod document stating LTV was at 88%. When we received a document on 3/23/2016 stating our LTV is at 96.4% in response to our request to have PMI removed. We were completely "surprised" unfavorably at what they were trying to do here. We feel completely trapped in a $333/month PMI payment to United Guaranty through PHH Mortgage's apparent and then blatant violation of RESPA. Or else why would the amount be so much if it wasn't being divided up among the entities involved? Per our mortgage documents the two balances should remain separate for such calculations.

We received a letter in the mail that OCWEN had been bought out on 1/23/17 and that gave two weeks to transfer our payment information over because the currently bi weekly auto draft setup they had is going away after 10 years. Upon spending 5 hours on the phone with them trying to get into the website and Several call backs I was finally able to get into their website.

I wish I would have check reviews before getting involved with PHH. The loan consultant would NEVER return my emails or voicemail. On more than one occasion, lost my paperwork and I had to resend it. It's been 5 months and we still haven't closed on the loan. I emailed the supervisor and was told, "thanks for the feedback." Nothing was done to get the loan consultant to do his job. I will never use PHH again. And I'm telling everyone NOT to use them.

If you happen to have a loan with them and figure why not refinance, DON'T DO IT. I just had the worst experience where they stalled and ran out the clock on my rate lock even though they had all of my documentation and tried to bait and switch me into a higher rate. Then they charge me a $600 non refundable application fee to add insult to injury after wasting months of my time. Make sure you go to a loan broker who you can trust and they will source you a loan from many trustworthy sources. This one is the worst and lesson learned, there is no efficiency in refinancing with who you already have a loan with.

Do not do business with this institution! Their customer service is HORRENDOUS. They never call back. The people are incompetent and just stonewall you to death. My mortgage was sold to them with my knowledge which is not an uncommon event. They reached out to me last for a refinancing. They have no clue what documents they need. Instead of asking for everything all at once, they drag it out making the process tortuous. We ask them if they need anything else and their response is: "No we have everything we need." A week later they ask for something else. They dragged this commitment process over 4 months causing our rate to expire and now they want to increase the rate from 3.65% to 4.45%! It is criminal. You have been warned.

I started the process 10/12/16... They asked for follow-up paperwork, which was always returned within 24 hours. It was supposed to close early January. I called Matt **, he said he would extend the terms and escalate it. It's now mid-January and there is no return calls or emails. I paid $600 for appraisal and put in many hours and time into this. How do they get away with this? The second round of paperwork increased the closing costs significantly.