PHH Mortgage Mortgage Servicing
PHH Mortgage is one of the oldest non-bank mortgage servicers in the United States, with roots dating back to 1946. Headquartered in Mount Laurel, New Jersey, PHH was acquired by Ocwen Financial Corpo…
Portfolio Size
$100+ billion servicing portfolio
Customer Service
800-449-8767
Loss Mitigation
800-449-8767
Website
PHH Mortgage.comLoss Mitigation Programs
PHH Mortgage offers the following loss mitigation programs. Availability depends on your loan type (FHA, VA, USDA, GSE conventional) and investor guidelines. Not all programs are available for all loans.
Servicing Practices
- Integrated into NewRez/Shellpoint servicing platform post-2021
- Servicing support for private-label securities and GSE portfolios
- Centralized operations with regional servicing centers
- Online account portal for payment and document management
- Automated default servicing with foreclosure referral triggers
- Escrow administration and tax monitoring
Foreclosure Timeline
PHH typically initiates foreclosure after 120+ days delinquency. In non-judicial states, PHH foreclosures may complete in 100-160 days from referral. PHH has been cited for premature foreclosure initiation while a complete loss mitigation application was pending, making dual tracking a key area of scrutiny for current PHH borrowers. Judicial state timelines vary significantly by jurisdiction.
Consumer Complaint Patterns
PHH has accumulated a significant volume of CFPB complaints over its decades of servicing. Common categories: loan modification application delays, dual tracking (foreclosure while modification under review), escrow account errors, payment misapplication, and credit reporting errors after loss mitigation. A common pattern: PHH transfers servicing to another servicer mid-modification review, triggering errors and resetting the borrower's process.
Regulatory Actions & Enforcement
PHH has been subject to multiple CFPB consent orders and enforcement actions, dating back to the earliest years of the CFPB's existence. Major actions include: a CFPB consent order addressing mortgage insurance kickbacks (RESPA Section 8 violations), multi-state settlements with 50+ state attorneys general related to servicing practices, and a significant CFPB order addressing loss mitigation failures. The landmark PHH v. CFPB case went to the DC Circuit Court of Appeals.
Homeowner Tips for Working with PHH Mortgage
1. PHH's long and complex corporate history means your loan servicing file may contain errors accumulated over multiple servicing platform transitions — request a complete payment history going back to origination. 2. If your PHH loan was transferred to or from another servicer, check the transfer records carefully — servicing transfers are a common source of payment errors and lost documents. 3. Submit all loss mitigation documents by certified mail and through the portal — PHH's systems have been cited for losing electronically submitted documents. 4. If PHH initiates foreclosure while your modification is pending, this is a potential dual tracking violation — document the timeline and contact an attorney immediately.
How Professional Law Assist Helps with PHH Mortgage Foreclosures
PHH's long regulatory history and multiple servicing platform transitions make these cases document-intensive. We audit the complete servicing file, identify payment errors and procedural violations, enforce dual tracking protections, and leverage PHH's consent order history to demand proper processing of loss mitigation applications.
Get a Free Case Review →Frequently Asked Questions — PHH Mortgage
Is PHH still its own company?▼
What was the PHH v. CFPB case about?▼
Related Resources
Get Your Free Full Case Review
Tell us about your situation — our senior legal team will review every detail and contact you within 24 hours with a tailored plan. No obligation. 100% confidential.
Submit Your Information
Tell us about your situation in complete confidence.
Case Analysis
Our legal team reviews your documents and foreclosure status.
Receive Your Strategy
We outline your best options and recommended path forward.
We Get to Work
Your dedicated team begins protecting your home and rights.
Ready to Protect Your Home?
Every day matters when facing foreclosure. Get your free, confidential consultation and learn your options — no obligation.
Available Monday–Friday · 10:00 AM – 6:00 PM Pacific