PHH Mortgage Reviews

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.

PHH of the four mortgage companies that have had my house, I have never had such a terrible experience, such poor management of my escrow funds, nor have I ever had such poor customer service, rude, indecent, contemptuous and sarcastic as the agent. PHH agent code ** if I remember correctly his name Alvin. These people took money from my funds and sent it to the wrong insurance account and now they don't want to take responsibility and return it.

As many have said here.. customer service does not exist. If this company really cared… they would recognize these reviews and change this terrible experience we have with PHH Mortgage. They have a call line offshore in India. The people on that line only speak a script, say they’ll call back with answers and never do. It is up to you to follow up and then it’s the insane cycle again and you get nowhere. When I refinanced, PHH bought the loan. It is a horrible company to represent you.

Absolutely horrible company. I recently had new flood plain maps drawn from FEMA showing that my property no longer requires flood insurance. I submitted these document to PHH via their worthless website where you are suppose to upload such documents. A few days later, after speaking with the flood insurance company and submitting the same documents to them and they validated that the property no longer required insurance, I called PHH to confirm that they received the documents and would update their records.

I would say as far away from this mortgage company. As you can period I paid off my mortgage. They were supposed to send me x amount. They took $2500 more and it's. I will never see that money and it's not right. It's not worth fighting over and get an attorney. Stay far far away

- [ ] I’m a Mortgage Loan Holder since 2021. We are selling our property, and called ahead to inquire if our loan was assumable for a potential seller. They would not give me any details aside from this, just that it was without submitting a formal name and application for the Formal Assumption. They clearly told me that it was. After a potential buyer put an offer in, PHH then told me that they were submitting an application once I called in with the name. A week and a half later, I called to inquire on where the mailed paperwork was, and they told me two excuses, one being that it must be a family member, even though they won’t show me in writing disclosed previously where this is stated in my policy that I had prior to the application.

I currently have a tax lien on my property because PHH Mortgage refuses to pay the property taxes on my property. I’ve been calling and emailing since Jan there has been no resolution. I’m worried, stressed and anxious because I never thought someone who pays the bills on time would lose their home after making on time payments every month and keeping my mortgage. I wish I never had anything to do with this company and it willl be a relief when my account gets sold to a reputable company. Their good gel reviews are even worse this has been an ongoing problem and the fact they’re has been no resolution is ridiculous. I wish there was a zero stars button. They don’t deserve a one

My insurance premium for 2023 was unpaid by PHH after they got 5 copies of the invoice over 1 1/2 months. 3 days after the policy expired one of their supervisors told me to "send the invoice again and they would open the email the next day and look into paying it." I had to pay it myself. It took a month to get half reimbursed then another month to get the rest. Since I had to come up with over $2,000 myself I informed them we were going to do a 3-month deferment with those payments due at the end of the loan term. They approved that after a couple months of lies about how that was not a thing. After the 3 month deferment I went back to paying on time and in full as always and they started sending me collection letters saying I was 3-5 months behind. In December 2023 I got the invoice for the policy renewal and sent it to them. I told them to pay it ASAP. They said they wouldn't pay until the Jan 15th due date.

We had a reverse mortgage with PPH for almost 10 years. Throughout the loan, it was always very difficult to get to information either online or over the phone. After substantial changes in the interest rates, the interest was now eating up the credit and equity in our home so we decided to pay it off. It has now been over 45 days since they received the payment... They will not provide the final statement of accounting, the original note of instrument, the note marked paid, or a refund of our overpayment. Phone call after phone call just gets "We don't have to pay refunds, just check back next week for whatever else you are looking for." They say there is no access for customers to the payoff department, none of the customer service reps have anyone else they can ask or have no supervisors. A complaint is filed with our state Department of Finance and the Attorney General's Office at this point and we still have none of the legally required documents.

In December 2023, I received notification that a tax lien had been purchased on my home due to an outstanding property tax payment. I contacted PHH on three separate occasions and every representative confirmed the taxes had been paid for 2023, 2022, and 2021 and further back. I called my county tax office and learned the second payment for 2022 was returned because PHH made it using a check and the tax office only accepts wire transfers (which is how the payments had previously been made). The county tax rep urged me to pay the attorney to release the lien and pay the outstanding tax bill if I was able because the attorney could start foreclosure proceedings because I was outside of the 4 month timeframe where the bill could be settled without additional steps being taken.

PHH makes me want to puke!! I hope when they all die they are locked out of God's home for what they have done to so many people just to get richer! Go to hell all of PHH mortgage workers. You all deserve a special place in hell! They lie, they cheat, they act like they are working on your problem. You pay and pay and they don't apply your payments. You show proof you paid and they are going to fix it but they DON'T and never planned on it! I'm like a wild maniac when I hear PHH for what they have done to so many people. Cheat! THIEVES! Fraud! Liars! They destroy lives and don't bat an eye! They kill dreams and sleep well at night. If you read this and think all these people must've missed payments or something and they deserved it THINK AGAIN!!!! NOT SO.

Good morning, I have been "**" around for years by PHH, Ocwen, whatever they call themselves these day. I have a condo in Florida and basically they have added $120,000 to the end of my loan. I paid $344,500 for it in 2008 and put $70,000 down. I mortgaged about $275K and during the housing crisis, I did a loan modification and was paying interest only for 10 years. Now, I still owe $260k on the condo and a whopping $120,000 at the end of the loan. After living here 15 years, I actually owe more than I paid for the condo in 2008, not to mention the money I have paid my mortgage. I am hoping to speak to one of the attorneys to discuss my options. I can be reached at **. Thank you, Lynn

Do not choose to do business with this company. I didn’t choose them. My mortgage was sold to them. A water pipe burst in my home over 5 months ago, which caused over $100,000 of damage. My insurance company has been great, but as they release claim checks to get my home repaired, they have to include PHH as a co-payee.

Avoid PHH at all costs. We did a loan modification and they reported us to the credit companies for nonpayment even though we made the modified payment on time. Our collective credit scores dropped almost 250 points in a single day. Talking to someone who does not have an accent is impossible. I was told to email my concerns (in a PDF form), which I have done several times. I spoke to my lawyer who said they need to do a rapid rescore on our behalf. I have not heard back from PHH and it has been over a month. Absolutely awful experience.

Had mortgage for years. First issue is they keep changing loan servicers. Hard to keep up. Reps on phone are mostly rude and unknowledgeable. Spend most time reading scripts to protect them. Recently got behind 1 payment due to illness. Long story short, eventual 2nd payment plan is mathematically incorrect. Would have us pay 8 payments over 6 months. It is simple math. We are elderly, the time and trouble trying to correct this error has stressed us. Recently advised by nonprofit law firm to file a ‘Notice of Error”. Stay away if possible.

ABSOLUTELY HORRIBLE! We refinanced with PPH Mortgage and ever since we completed the refinanced, it has been a nightmare. We attempted to un-escrow our taxes as we did not sign anything at closing that said we needed to keep our taxes escrowed. We got declined because it was a "commercial loan". Okay, we let it go because "it is what it is". Well, it's school tax time and on the 4 properties we have in our portfolio loan, only ONE got paid on time. The 3 others still have not been paid (due 8/31/23 & 9/15/23). I have called numerous times and attempted to email and call my loan specialist Kimberley ** and she refuses to contact me back. I have multiple emails of me reaching out, asking when my taxes will be paid and nothing in response. I have called and spoke with other reps and they "chat" over to her and she will make comments saying "I will call her today" and NEVER does.

My mortgage was sold to PHH and I have been unhappy since. They are paying taxes on a lot next to my house. Not where my home is. This cost me almost 3000.00 from the state for taxes not paid. Dumb.

The service at PHH is beyond awful. PHH did not pay our 2022 taxes, despite me contacting them in November 2022. It was months into 2023 before they paid part of them and they still have not completed paying them. I contact them multiple times a week since May 2023 and all I get is "We are 'researching' it" despite me sending them all of the documentation. Now, I have to deal with our township threatening to place a lien on the home and not provide vital services. All because PHH is horrible at what they do. They have also been unable to confirm that any late and lawyer fees have not been deducted from escrow account. Overall it has been a horrible experience and we will be refinancing as soon as we can to get away from them.

It started just recently on the May payment. They have not applied the payment even though they have received the payment within the grace period in the contract. I have spoken with a customer rep from PHH one time on May 17th. Nothing discussed on the phone has been followed through on. I believe they are trying to blatantly push this loan into default through no fault of my own. I believe they are in retaliation over a review written on another site. They don’t listen well and I can hardly understand them with their heavy accent. I believe they do this to make it hard to record them. I have received my Return Receipt certified green card back showing it was delivered. This was explained to PHH rep.

They don't respond to the 20 letters of request for detailed information. 5 years later and nothing! No agency can help put a stop to their insane way of accounting. They can't even explain it. Only more charges and more charges. The loan is now more than it was originally and they can't explain why. Who regulates them?

I wish I could give them 10 stars. I’ve been doing business with PHH and its predecessor for over 8 years. I must admit when PHH purchased RMS back in 2021 I was more than a little apprehensive regarding the change of ownership. My wife and I had enjoyed such a great relationship with RMS for over 6 years and now we were dealing with the Covid nightmare. Being in our late seventies we were under a load of stress dealing with some serious health issues. To make things even worse our income was abruptly turned upside down 2 years ago thanks to the Covid pandemic. Even dealing with typical expenses like property taxes and insurance was a challenge. However, I am very excited to report that PHH knocked themselves out to get us through the Covid crisis.

The run around I have received from PHH has been unbelievable. To be honest it started out great! My original loan was "sold" to PHH with no problems. When COVID hit I lost my job and reached out to PHH to see what is and isn't possible. They offered me an extensions, with the ability to "modify" my loan...I WAS very pleased! Then the drama started, I had to sign documents that confirmed I had in fact been approved for the modification...and I sent in a notarized copy.

In August 2022 I called PHH asking if they had bi-weekly payments. I was told that they did, at first the agent said I couldn't be set up on it if I had automatic bank draft turned on, but then he came back and said I could. They sent me the paperwork to fill out. I completed the paperwork and faxed it back in at the end of August. I received a letter that was confusing about a week later. It didn’t say if I was approved, it didn’t say when payments would start, but it mentioned making a manual payment which was confusing since I was on automatic bank draft.

We obtained a mortgage from another lender and it was sold to PHH. I have read the state rules for dropping PMI and we have met them- having the legal amount of equity from our routine payments alone. On top of that, I forwarded PHH invoices for improvements (new windows in the whole home, new kitchen appliances- both totaling $80,000 for a measly 230,000 mortgage). Still, they want to milk me for $150 to hire their appraiser to come appraise our home. My mortgage is now about 15% of the value of our home- one only needs to see a photo to tell the improvements yet they want me to pay their biased appraiser. It’s just another money grab when my closing docs with the original mortgager said nothing of fees to remove fees! Go to United Mortgage, Rocket Mortgage, 5/3 bank- options are nearly limitless! This place is a money grab.

Got it sent today. Thank you.

Worst experience I've ever had in getting a home loan. They misrepresented information in emails - ended up going back and saying we needed to come up with $4,000 more in closing costs which we couldn't afford, would not release the appraisal we paid over $700 for - and ended up with a lender who said that their fees and costs were insane. We ended up closing for over $5,000 less than PHH's first agreement. Run away from them.

My experience overall with PHH has be awful but in particular cancelling PMI has be extremely frustrating. With the market so high, we submitted a request for a valuation at exactly our 2 year mark of our mortgage because we were sure the appraisal would be over what was needed to cancel PMI. They sent the form (surprisingly based on other reviews), we sent it back, they cashed our check, a few weeks later we were finally contacted by a broker to come by for a BPO. He confirmed he sent it on 7/14 and we also confirmed it was over the minimum amount we needed.

They purchased our loan from a local Texas lender that we refinanced with and did not recognize the over-65 property tax deferment available in the state of Texas. We sent them homestead documentation, a copy of the tax stature, and numerous letters, to no avail. Then, they suddenly paid our "back" property taxes without warning. They sent us a letter stating that if the funds were not repaid to them within 30 days, they would add an escrow account to our monthly payment, raising it to some unheard-of amount.

It has been two months of trying to get my home appraised in order to get my PMI removed and I have yet to even have my house scheduled for an appraisal. PHH will cash your $150 check right away for the appraisal but refuse to give you any answers after that. Customer service escalated my case 3 weeks ago and I have yet to even get a phone call from them.