PHH Mortgage Reviews

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.

My brother passed in December of 24'. He had no will/trust. He had a reverse mortgage w/ PHH. I contacted PHH in early January '25 to advise them he had passed and asked what I needed to do. They would not speak to me. I did fax death certificate Jan. '25. I was appointed administrator of his estate through the probate court. I called them again, they would not speak to me until they had court letters. I faxed same 4/1/25. At no time was informed of the rules when someone dies and has a reverse mortgage. I did not receive a letter of demand. Luckily home was put up for sale in June '25. When an offer was accepted, PHH would not speak to title company. I had to call for the payoff. Staff is rude. PHH filed default paperwork 7/17/25. When contacted, they were rude and unfeeling as to this situation. Luckily the home is old as of today 8/15/25. DO NOT DO BUSINESS WITH PHH.

Robin ** from PHH worse loan officer ever in my life talked to. She is very unprofessional. Wouldn’t recommend. All these loan people steal from the elderly. People should be ashamed of themselves. How could they go to sleep at night taking advantage of elderly people. Shame on you Robin **.

They over paid my homeowners insurance by 6000. Now my escrow is totally messed up. 😡😡😡😡😡😡😡😡😡. The customer service sounds like it’s outsourced to India, I can’t believe loan depot transferred my loan to this company.

Updated on 08/02/2025: PHH Mortgage once again is being fraudulent. I wrote the review. On shame they emailed me stating to call them to try and fix the matter. They said they never emailed me no such matter. See proof. So once again phh mortgage breaking more federal laws and now FCC laws.

If possible stay clear. We did not select PHH as our mortgage servicer. Our loan was sold to PHH. For 2 years all payments were on time until something changed with the escrow. We attempted several times to contact them (the hours on the recording and mortgage statement do not match). The automated system states the information entered is incorrect (despite in being correct). The online dashboard and mortgage statement do not match and we could not reach anyone. We have multiple homes with other mortgage companies and PHH is the worse mortgage company we've ever dealt with. Hidden fees ($3,000) that cannot be explained, piled up late charges, inaccurate mortgage statements, placed our home in foreclosure... Has yet to respond to our email.

This premeditated move to use third world countries as loan servicing companies is only a subversive measure by our International Financial and insurance carriers to mislead the motivation towards Globalization. Third world countries do not know Real Estate Law and unfortunately are sub standard loan agents? I also am a victim of PHH malpractice. But why? PHH is used it to rake the country for low interest loans Aided by Banks who sell to confuse , while time delay payment misuse or other leads to prompt default or foreclosure. Why do I have to call the Philippines when I live in San Clemente CA. For my loan information. Although seems convenient plus more profitable for the financial sector services like insurance for one! Less labor cost! Remember the Tarp Articles banks bailed each other out without a cap.?

Not happy at all. My mother had a loan from this company, and she has passed 3 months ago. They are foreclosing on the loan and I'm trying my best to do right by mom and company in resolving the loan. I have called twice this week for a payoff and was told since I wasn't on the loan to send them the information they needed. I send them the information and now they tell me I have to wait for another 5 days for them to give it to me. This is leaving me in limbo, having to wait 5 days when they could tell me over the phone so I can pass the information on to the attorney while waiting for the letter. Especially on a cash offer. They need to figure out how to help the person who's trying to do right for both sides.

It has been a mixed bag with PHH. When talking with the US operations I found knowledgeable and helpful people. Unfortunately, the same cannot be said for the insurance department. My last go round with that department took nine+ phone calls and a slew of documentation and I ended up calling the US operations to complain because no matter what was sent it wasn't enough. Look, a COI is a COI and these insurance companies know what they are doing; PHH Insurance DOES NOT (and they are hard to understand). PHH reviewed the insurance (condo and HOA proof of insurance) and they had found that I had done everything correctly but I simply could not convince the insurance department that such was the case. Wildly frustrating...

A year ago, I came over to PHH as an inflight modification. Payments under my new modification with previous servicer was at a manageable $1500. PHH failed to process this modification in a timely and professional manner, causing a total of 3 modification packages resulting in a new, over $2000.00 mortgage note. None of the modification applications or processes were the same with PHH throughout these modifications. I wish I could choose another servicer and never come across this one.

PHH customers data is not safe, as one of the contact centre located in Bangalore, India, named “Teleperformance” give employees option to work from home, coz they cannot afford an office space as this is a small process for them. Their other processes, employees work from office. PHH customer resolution agents have complete access to customer’s complete name, property and mailing address, complete social security number, email, phone number, complete bank account, routing number along with the bank name. What Else is required? We are not talking about hacking. We are talking about hundreds of people having access to all these information at their fingertips.

This company and its employees are inefficient and lack knowledge. There is no communication between individuals so nothing gets done and they repeatedly have to be told what to do and what’s going on.

I tried loan modification 3 times... PHH failed to tell me I needed 3 copies the first 2 times. The 3rd time I got the 3 copies.. They still denied me because they said my notary forgot to add my middle initial, I have asked for proof they have been giving me the runaround. I have taken the necessary steps to resolve this issue. I have my grandkids that I am raising, my son passed away in January... PHH doesn't seem to care about kicking 3 kids to the curb like trash. I have been in this home for almost 20 years. I had no choice on this mortgage company, the first one sold it before I could make the first payment.

My mortgage was sold to these guys with me having no say in the matter. I have a fixed interest rate, a ytd positive escrow balance and my minimum payment has now gone up by nearly $300 a month. I also am now required to pay a few just to make my monthly payment. This is a joke. When I signed my mortgage one of the things I made clear was that there were no fees to make a payment which was the case the first 3 years of payments with the other company. If you have any choice, do not choose these guys.

For the past 2 years, PHH Mortgage has stopped paying part of the taxes on our house. For the past 10-15 years or more, they paid all the taxes out of our Escrow. For some reason, something happened but the agents on the phone can't explain why that caused them to only pay part of the taxes. It had nothing to do with the Escrow either because it had money in there. So I sent the bill 2 years ago and they swore they'd get it paid. They, so on April 15th, I had to pay it. PHH was kind enough to come through and issue a refund. Same thing happened again this year where they didn't pay part of the taxes. I send the bill in November and get told they'll pay it. By March, no payment. I inquired again, send the bill again because their agents they didn't receive it even though the previous agent in November told me they did.

We are trying to get remodification on our home of 48 years. My husband has been very sick and he could not work. We filed chapter 13 but it was too much to pay both mortgage and trusties 5300.00 a month both but we could afford to pay just mortgage. They turned us down. We have nowhere to go if they foreclose on us. We cannot even talk to a representative. The people that answer the phone just don't get anything right. They turned us down without filing a application.

Been dealing w/ a modification for 2+ mos. Modification accepted, pd first payment. PHH sent docs to correct errors on their end, overnighted docs by the date on the doc, denied out of the blue, said it wasn't there in time. We have the UPS proof of delivery that they received it on time. They dropped the ball and now we're starting over with new docs and after 15+calls because, they misspelled my name, no call or resolution. Was supposed to receive a call today, no call again. New documents are due by 4/15. Asked for corporate office, they won't give out the number. Very irate at the moment. Worst experience ever!!! I've been in customer service for almost 40 years. Worst customer service team I've ever dealt with!

I fell behind and I am trying to find a way to keep my house, they are refusing to work with me so they will be kicking a 71 year old widow out to live in her car soon. The people on the phone act like they have better things to do than help you and try to hurry off the phone

The reason I looked up the reviews was to see how many other customers had experienced the same issues I have. My loan began around 2005 for approximately $60,000 or less when I recovered my childhood home for my parents, both of whom are now deceased. Over the years, I’ve noticed my monthly payments have increased from $635 to nearly $1,000 per month. Despite making payments on time, the escrow account is consistently negative, and only a small portion of my payments goes toward the principal. After nearly 20 years, the principal balance is still around $30,000 or more. I am completely baffled.

Horrible service. My insurance, according to PHH did not meet their standards. I was asked to find another company, which I did. After getting the insurance, I received a letter advising, the insurance needed to be back dated to 1/21/25 or I'd be charged 158.00. At no time did the agent I spoke to initially advise of back dating. Nevertheless, agents are incompetent and you get the run around. Plus their English is difficult to understand and they get annoyed when asked to repeat themselves.

Well after reading their reviews it looks like everyone has the same issue. I applied to have my house payment in deferral for 3 months due to a divorce for Sept, Oct, and Nov. I received the deferral letter approval in November and I was told my deferral balance would roll to the end of my of my loan and I would resume my new monthly payments. Well that was a lie and I have been trying to deal with this giant circle jerk ever since.

Worst customer service!!! Please Google this company and read all the reviews.... They really suck. When you call there you are directed offshore. Very sad... Nobody knows how to handle customer service.

Honestly, these people are either breaking the law or they are walking the fine line of doing so. This company does not believe in giving their customers multiple payment options. It always seems to be more of an issue when they change their name. They have had 4 name changes. The customer service is non-existent and their representatives are liars.

I have called over and over and no resolution and now my home is foreclosure. I have payment and they are refusing to take and constantly giving me the run around. They offered mortgage assistance, made me fill out a form and send in documents just for no update after weeks and then they tell me, I have to do it all over again. I have requested a call from the supervisor, and we are going on day 5 and no callback has been received.

Their autopay started failing and kept on charging me late fees for their own system errors. Customer service keeps on denying fault when there is clearly a bug in their software. PHH Mortgage needs to exercise more integrity and stop cheating their customers. And yes, fix their bugs also.

PHH violates the law in multiple ways. They are the worst mortgage servicer in the nation. They keep changing their name to avoid litigation and law. They were once Ocwen, now PHH, New Rez, and now they are changing to Onity. The Relationship manager is never available (Gabriel **), never answers the phone nor returns promised phone calls. They use foreign call centers with people who can barely understand, let alone speak English. They make promises to call and deal with issues, but never call you. Anyone would be crazy to have a mortgage with them.

Worst ever. They are criminals masquerading as mortgage servicers. DO NOT GIVE THEM YOUR BUSINESS. Bankrupting my poor mother all the while gaslighting and deceiving her. They are inhuman monsters. RUN!

I rarely write a review online but it seems this is uncontrollable anymore. If there is a 0 rating for them or negative rating I would give them. My previous lender sold my loan to PHH and then from the first day a problem occurred already. They are claiming that they did not got my payment but my bank manager told me they got it. The issue last until present still they haven’t resolve. It’s been 3 months I called them every week to follow and able to escalate to their escalation manager the same so I can’t wait to be refinanced so that I could get out from this horrible experience with this lender.