PHH Mortgage

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.

I was recently approved for a loan modification due to the pandemic. PHH extended my loan for 37 more years at $803 monthly. I only owe $87k and also added a balloon payment of $14k at the end. My initial loan was for 30 years and I have 11 years left. I’m not understanding how I will be paying nearly 60 years on a loan. They were supposed to help doing the pandemic but it looks like they were setting me up for failure. Please make this make sense.

PHH Mortgage Co. has mishandled an insurance check we forwarded to them for endorsement so we could proceed with final repairs to our home damaged by the freeze in Tx. occurring in Feb. 2021. The insurance division of the mortgage PHH, to date, has still not returned our Liberty Mutual insurance check in more than 40K to us with their endorsement so we can proceed with repairs to our home. I have never dealt with a mortgage company like this when needed repairs to our home could not be done because they held the insurance check hostage. After numerous calls to in mortgage company, they finally told me they had no idea where the check was and I would have to go to Liberty Mutual and ask them to send another check.

I contacted this company on behalf of one of my elderly clients. He has a mortgage with PHH and received an insurance check. The check must be forwarded to the mortgage company for processing and I agreed to do this for him because he is elderly. I spent 15 minutes of my time repeatedly explaining I don’t have specific loan information nor do I want specific loan information regarding My client's account with PHH. I simply need a physical mailing address instead of the PO Box they had previously Provided. I continually explained that each time a person picked up the phone, yet was sent down a rabbit hole repeatedly to end up with the same result on each occasion. The information I requested was basic and not specific to anyone’s account. This was either too tough for the representative to understand, or they simply didn’t care. Based upon this experience, I would never consider working with them!

I was contacted by my county auditor after refinancing my HECM mtge with PHH. The amount on the document was $90,000 more than the Mortgage I took and a 2nd mortgage was placed on the property for $360,000. I do not and NEVER did have a 2nd mortgage on my home. Appraisal and all documents state loan was for $240,000. But auditor states all documents sent to the county say $360,000. Something is really wrong! Tried to contact them via phone and email 4 or 5 times with no responses. I believe this company is fraudulent and scamming people.

I am the trustee of my grandfather's estate, and as of March 1st for the last 3.5 months I have sent the trust, the amendment, death certificates, etc over 20 times! Daily calls with the SPOC department, no updates ever, no one can answer my questions, they send over the packet at least every week as an "urgent" request and we still have no answers. The legal department they claim they send it to, no one can ever actually get them to respond. There is never a supervisor or above to speak to. Every time I call for OVER 3 MONTHS, no one has an answer or any updates on the trust! My grandparents passed, my mom, etc and I have to go over this every single time that I call. They have no process in place, they are disorganized, incompetent, and take no responsibility for their company.

PHH did not pay may taxes out of escrow for almost a year, resulting in my home being placed on a tax lien auction. Despite more than 15 phone conversations with the PHH Escalation Department and a formal complaint being filed with the New York State Department of Financial Services, taxes remained unpaid, penalties accrued, and ultimately my home was listed on auction for unpaid taxes. PHH is an incompetent, corrupt organization and home owners would do well to avoid them at all costs.

I have recently had an incident where this mortgage company failed to pay my annual property taxes. I opened up an incident and it got raised to the escalation team. It's not been about 3+ weeks since opening the incident and despite multiple attempts at email + phone call to the direct escalation manager I cannot get a response on the status. The timeline for the taxes has come and gone and they still aren't paid, which is going to cost me even more money. Do I rate an update from this mortgage provider team? Apparently not!

Extremely helpful!! Answered all my questions efficiently. Put me at ease. Very satisfied with responding. I was guided through how to have my payment returned from an insurance company, whom I would no longer doing business with, and how to have it put back into my escrow account.

This is one very horrible company to deal with trying to get my mortgage mod completed. I had have HUD specialist help. Advised to Consumer protection on them and State agency also called due no bill since 2019.

Updated on 06/21/2022: So got PHH attention with last review and got them to do the appraisal. Now I can not get them to give me a copy of the report 2 months later and can not get them to give me a phone call. WHAT A HORRIBLE COMPANY. I have left voice mails every week to 10 days, send emails and NOTHING! Run away from this COMPANY. Run as fast as you can. I have called the Federal Housing Finance Agency AG on their unfair, unethical, and unlawful business practices.

Mel on my loan processor got transferred to PHH without my knowledge but I guess they were shot selling some mortgages to PHH and mine was one of them. Ever since then I've had so much difficulty with their customer service. You never get anybody you could understand on the phone and they can be rude as hell. Now they're telling me I'm in default and I'm not. They sent me four left contradictory letters regarding my account and I've had to spend hours on end trying to get my situation resolved. This is not a company you wanna deal with and how I have a feeling they're doing fraudulent things or they're doing things that seem to be fraudulent because they're so stupid.

I am happy that PHH initially approved my mortgage/Loan for modification due to financial hardship because of COVID-19. My acct/payments has never been late with them. They send back docs to be re-signed and notarized, but they came really late. (Mail delivery is really really slow since COVID-19.) They got the docs on the deadline date but now they rejected my modification. I really thought they are there to help us during this difficult time.

Our mortgage was transferred from another bank. PHH is the worse bank we have ever experienced. We called 10 times, 4 times out of those 10 times we got disconnected after being on hold for 20-30 minutes. One time an associate said she doesn't know how to calculate, so we have to wait for someone else, another time an associate told us to call our previous bank because they don't have records of the past payments. We will never recommend this bank or ever do any banking with them again. Also, we would have given them zero stars if that was an option.

Wonderful company! They worked around our availability even if it was after hours, James communicated throughout the process. PHH Mortgage was able to bring my interest rate down, no one could beat their offer.

PHH is pathetic. They lie and lost our wire transfer payment to pay off our loan. If they tell you they'll call you back...Don't hold your breath. I requested a payoff statement multiple times to get nothing. This is a terrible company

We have requested a payoff quote from this organization since March 16th. The organization has on multiple occasion delayed the processing of the payoff request. Each department is unaware of what the other is doing. We have called on multiple occasion and email and the problem has yet to be resolved. We

are in the middle of a refinance and PHH mortgage refuses to provide the required payoff to transfer the loan from their company. They also didn't paid the insurance for the property which was escrowed. The actions so far of this company has been retaliative and very unprofessional and has caused duress. We cannot proceed because PHH mortgage is intentionally withholding our legal payoff documentation.

Being self employed and was directly affected with the pandemic. I reached out to PHH mortgage and it only took a 10 minutes phone call with one of my account representative. She was able to put me in to a program that would enable me be able to have time to get my finances rectify and stop making regular payments.

I recently requested for PMI to be removed from my mortgage. I sent in numerous data to show the value of my home had significantly increased since purchase. In addition, PHH sends me one-two times a month a letter offering for me to refinance and THEY give me an estimated value of which clearly shows that I have at least 33% equity. However, they will not remove my PMI until I pay them for a Brokers Price Opinion (BPO). This seems highly unethical. My dashboard (mortgage website) indicates the estimated value quite substantial. Yet, they want to tell me in the letter that my home is worth the lesser of the amount of my sales contract or the original appraisal, penalizing me for getting a good deal. If I refinance with them, my house is worth a lot more, if I don't, well it's worth the sales value. Not to mention over $25k in a master bath remodel since purchasing the property.

Experience was great. Excellent customer service.. agents were willing to explain things that I did not understand thoroughly. They were also very patient. Wish all customer service reps had this same level of concern for their customers.

I was going to say the last guy to help me was so very good. But now I received another letter looking like the problem is not solved. I have flood insurance and have submitted it twice. Why are my payment still going up this year. My taxes and insurance have not changed enough to warrant such a huge increase. Ever since I refinanced with you it has been nothing but trouble. Please explain.

Every time I call, all the agents are friendly and knowledgeable and are able to answer all my questions quickly. When I've had problems, they are quick to help with a fast resolution. As their slogan states, "Helping homeowners is what they do".

PHH Mortgage really cares for the clients. I have been customer for a while and any time I had a problem they made me feel I had nothing to worry about and reassured me they would assist me any way they could. I received timely notices when I could not pay under this pandemic and I felt they really had my back! Thank you PHH Mortgage.

Very convenient and easy and when I talk to somebody very pleasant and professional. Would recommend to anyone who has a chance to partake in the service. Thank you for all your help and guidance. Very much appreciated. Thank you. That’s all I have to say at this time about my experience. Thanks again for your assistance.

I called to get information on my city and county taxes. The young man that spoke with me was very professional, patient, knowledgeable and kind. This is expected from customer representatives but too often it is not received. Coming from me, this is a real compliment to him because I am a fanatic about areas such as this.

It's a great pleasure to work with a knowledgeable mortgage company that takes pride in their customers. My wife and I would recommend PHH Mortgage to others that are thinking of buying a home. We thank you for your great service.

My experience with PHH was very pleasant. Their customer service was kind, respectful and very helpful. The knowledge that the individuals have when asking any questions is great, no holding for answers is the best. I'd definitely recommend this establishment.

PHH Mortgage Services, were an absolute Godsend to me. They worked tirelessly to help me. Everyone is very professional, friendly, respectful and do their very best. I am extremely satisfied with the outcome of my refinance. I would highly and most assuredly recommend PHH Mortgage.

I was surprised that my statement was going to my old address, which is the house I sold and no longer there, so I called to make sure that they update my information. The representative was very nice and professional.

Had a great experience, the representative had lots of knowledge. I look forward to working with the team as we prepare for my next steps with the property.. I have never heard of PHH, but I'm sure it will be a good experience moving forward.