Reviews: PHH Mortgage

It's rare that I give negative ratings, but my experience with this company has been ridiculous. Too many details to go into, but the customer svc has been wretched. I am supposed to be approved for something and I can't get any details to help make a decision. The paperwork was sent to the wrong address, the customer svc person doesn't respond or is so rude when she does. I was told I can not speak to a supervisor! If I don't comply with this unknown offer, I may lose my house. Very frustrating and wrong

Words cannot even describe how much I HATE this company, my story is a combination of harassing automated phone calls and several attempts of trying to speak to a customer service rep that eventually got me outsourced to India. I have never had so much problems with a lender, I've been trying to refinance ever since my loan was sold to them, Finally happening but the have "no record" of my refinance and are threatening to foreclose on a loan they don't even OWN ANYMORE!!!!

Last year I paid off my mortgage with PHH. I have been a customer for nearly 20 years, never been late with my payments. Two months ago I decided to take out a Cash-Out loan at the low interest rates. I was preapproved and told I could do this in 3 weeks. It's going on 2 months and the underwriter keeps dragging it out. The loan rep. told me it's because refs, cash outs, existing customers go to the bottom of the list. I've started the process with another lender.

Does anyone know if. PHH. Is supposed to be part of the national settlement for fraudulent foreclosures?

This servicer is by far the worst of the lot. The criminal activity taking place on a daily basis by them would have any one of us thrown under the JAIL if we pulled this crap. But not them. They get to pay a BS settlement along with the rest of the thieves and continue their criminal activity. Long short, they forged my signature on the note and mortgage because they couldn't produce the original when asked by way of a Qualified Written Request. It's anyone's guess who really owns my fraudulent loan.

I cant get in touch with these people, ever. When I try to reset my password, no phone number to call. They upped my payment because I was late and it showed that not enough in escrow to cover my account, so they upped my payment. Took me 3 hours to get an answer why., and still I had to figure it out and explain to the foreign phone operator. Worse service ever. I HATE this company with a passion

We believe PHH Mortgage is a Predatory Lender who has made a financial decision that it is more profitable for them to foreclose on our home rather than comply with the Making Home Affordable Plan or the Home Owners Assistance Program. We have provided PHH Mortgage all information required for this mortgage company to assist us in providing a program that will keep us in our home. Our “Hardship” is well known and documented with PHH Mortgage - they insist on foreclosure methods for profit.

In December of 2011, we attempted to purchase our first home through a short sale offer. The sellers' were overburdened by their mortgages (both held by PHH) and needed to move; a short sale was the only way for them to move on with their lives after their house being on the market for a year and a half. Our offer was submitted and we waited months before hearing back from PHH. Our short sale was passed on to Cartus, a third party organization, who we thought would move the sale along. At the beginning of August 2012, we were notified that our offer would be accepted and we would close on 8/31/12. We hurried to take care of our financing and all the other things that PHH asked us to take care of only to have the closing CALLED OFF two days before! Our lawyers & realtor scrambled to figure out what went wrong, but went months without a response. PHH consultants were VERY hard to get in contact with. In October, we, the sellers, and our realtor agreed to concessions set forth by PHH and we thought after nearly a year, our sale would happen. WRONG! PHH contacted our lawyer and decided to foreclose on the property! To our knowledge, the mortgage payments haven't been paid since February of 2012, the house has been vacant since April 2012, but all taxes are up to date. PHH has lost 14 months of mortgage payments, paid out town/school taxes, and is now paying for the foreclosure fees. We realize that banks take a loss with a short sale, but after adding up those losses, they've taken on more debt than what they would have by accepting our offer! This once beautiful property has been vacant for nearly a year now - the foliage is overgrown and who knows what is happening inside. We had money all ready for them and made a very reasonable offer. We're so disappointed with PHH as they turned our dream of home ownership into a nightmare.

I am not one to write reviews but I feel so strong about this one. I can't help but share my experience. Without all the details, this company is not customer-oriented, efficient, professional, or considerate. I predict this company will close its doors and, hopefully not, reopen under another name. I'm not sure if the company has no values or hires incompetent people, or both. Either way, they can only get away with their poor business practices for so long. Don't let them fool you. Please!

Our credit union sold our construction loan to PHH in 2007. All was fine with no complications at 6.3%. We refinanced in 2009 at 4.6 %, again - no problem. In mid October of 2012 we contacted PHH again asking to refinance at a lower interest rate. Six weeks later without complication we again closed at 3.1 %. The first loan was for 30 yrs, the second loan was for 20 yrs, and the most recent was for 15 yrs. In 5 yrs our 30 yr mortgage was reduced to 15 yrs. Payment approx the same. Thanks PHH.

I refinanced with PHH and it was a huge mistake. It took 2 and a half months longer than they said it would, then after the refi was complete, they continued the automatic ACH withdrawals on the old account, effectively double billing me - then they blamed me for it because I "failed to notify them" to stop the ACH withdrawals. I am out nearly $3000 and have to wait over 2 weeks to get it back due to their error.

A note I'm leaving for a local locksmith who was in my driveway: Mr , If you change my locks - I will add your firm to my lawsuit against Morgan Stanley and PHH Mortgage, their partner in crime. Morgan Stanley was given over $100 Billion in low-interest loans by our government. Yet they have no desire to help the same taxpayers that saved their "Too Big To Fail" bank... PHH Mortgage harasses me & does not respond to my attempts for restructuring. Do you want to help these crooks?

They won't talk to you if you have questions or problems. If you complain, they refuse to accept your payments and then start foreclosure proceedings against you. Once you fix that problem, they put on your record that you had a deed in lieu of foreclosure that never happened which means you can't refinance with a different lender. VERY SHADY!!!!

I have to agree with other reviews. Our representative did not speak clear english and did not seem to know what she was doing. I was very disappointed with our refi! I had mortgaged with them before, as had my husband and had no complaints. This refi was a disaster. Poor communication, kept telling us we would be closing and then did not...and did not bother to call and tell us we were not. Asked our representative numerous times, do you have everything you need? Only to find out she didn't! Bad!Bad!

When I asked questions they treated me as if I was stupid. They kept asking for more money. They overpaid my taxes. They paid my home insurance to the wrong company and then asked for more money. They mailed me a check for the over payment made out to them. It was the worst and craziest experience I ever had. The refinance took from 5/2012 until 1/2013.

I make my mortgage payment online each month. This month, there was suddenly a $7.50 fee for paying online. I called customer service, after 20 minutes got to a live person (hardly worth it for $7.50). I asked, "what is up with this $7.50 fee for paying online?" The customer service rep explained that a new policy had recently been put in place. I asked, "what notification did you give your customers of the new policy?" The rep explained that notifications would be going out sometime in the next month.

I agree with those who have shared dreadful experiences with PHH. My mortgage from Schwab is serviced by PHH. Due to an error on their part, they stopped collecting funds from me in auto-pay. They threw me into the most violent and aggressive collections process I have ever experienced, and it took an executive escalation at Schwab to get them to stop. DO NOT DEAL WITH THEM.

Unfortunately our mortgage was transferred (sold) from our Credit Union to this Off Shored Company. PHH Mortgage has the worst of consumer ratings possible. Calls go to India. No Service is ever available - this is a virtual company: they do not exist. Requests go unanswered, late fees: they keep tract of that. Don't let your Credit Union do business with this company and sell your mortgage to them - you will live with the mistake for 30 years.

When PHH suddenly and unexpectedly foreclosed on me (using what my attorney described as a "rare, non-judicial foreclosure") my attorney made repeated attempts to contact their counsel. They did not return any of his calls or answer any of his emails, but continued with the foreclosure at breakneck speed. Finally my lawyer advised me I had no choice but to declare bankruptcy. At the hearing, the judge told their lawyer they had behaved "unconscionably." My credit is wrecked. This organization is monstrous.

Our mortgage was sold to PHH and their due diligence with the seller who sold my mortgage cost me around $1,300., 3 month (30hrs) just to explain them it is not an error at my end. Transferring me from one department to another and also from one country to another-customer service. If you want to talk to a manager, they are always in a meeting. My frustration and their threating phone calls, penalties, and collection, I decided to pay that amount. PHH is a mortgage mafia which will corner you...

This company has been trying to do a refinance on property that I have owned with them for the last 7 years and have never missed a payment. That alone should stand for something. This started in Oct of last year and last week I was denied refinancing because they say my receipt was handwritten and they could not accept it. Hello...all my receipts are handwritten I have provided everything else they asked for except my colonoscopy. 3 months of hell dealing with them to be denied.

I have turned them into the Better Business Bureau only to find they already had 487 similar complaints against them in 3 years. That is a lot folks. If you are thinking about doing business with them I would advise against. I have never been so frustrated with a company. I asked that they stop taking auto payments from an account I had to close and they continued to do so for 2 months. they then returned all payments that I made from my new account and refused to accept any payment at all.

Ive been a L.O for 12yrs now and I have worked at a few very large companies. I am sorry for everyone who has had trouble, but I promise you employees and companies dont make money off of the cancellation fees or purposely being fruadful. This is a top ten company with only 51 complaints. Google quicken loans and read their reviews. Googel Freedom Mortgage or any other big company for that matter. Of all the companies Ive worked for, PHH was by far the most ethical. I am sorry you all have suffered.

I recently fell behind in my loan payments. I was given instructions to bring everything current. Sent payment and they sent it back - forcing me to eat the fees. Called the company to settle and they won't accept payment. It seems like they outsource their help over seas as well - VERY broken English. It's like the want me to go into foreclosure.

I have never seen a mortgage company treat people like this mortgage company does. Refuse to send payment book after several requests so having to make payments by phone and haven't a clue if my payment went up because they charge a different payment each time. Refuse to take payments after a due date. Everyone sounds like they are from another country and can't hardly understand what the person is saying. Try to intimidate when a payment is late knowing the reason. Disgraceful customer service.

I just refinanced my home through PHH, the original loan was through PHH so there wasn't much choice with a loan to value ratio of more that 105%. I never spoke with anyone who wasn't in the US, primarily they were out of New Jersey. I have had them since 2004, I haven't seen ANY of the issues that the other posts are complaining about.

PHH was originating a loan for me on a property. At 6 weeks past he closing date the seller was still unable to provide a clear title so I terminated the contract to buy. As soon as I notified the PHH agent, my credit card was charged $415 for "processing fee's".(fine print in the 74 page application) I've had to terminate a number of home contracts and have NEVER EVER been charged a DIME by the mortgage broker or the loan originator. Their a bunch of thieves who will take you any which way they can.

Started receiving calls from mortgage collection dept. Finally got a live person and informed them my mortgage is not with them and is in good standing so stop calling. They got very defensive when I would not give my SS#. Told the man I was speaking to I was going to report the number as a scam and he became very angry. Cannot believe this is a real business. Pity anyone actually doing business with them.

I've experience much of what the other reviewers commented on with regards of poor customer service, but I was one of the lucky ones...they sold off my mortgage to a lesser evil lender. Its funny, I remember what a big deal the loan officer made about how they don't sell off their mortgages...what a joke.

I had the best experience with these people. I cannot believe all of the negative feedback on this website!!! I fear many of the people who comment negatively do not fully understand the mortgage world and are ignorant to Fannie and Freddie's strict rules and regulations. PHH is a safe choice!

Lousy service, untrained staff, lost paperwork, scam, scam, scam. Unprofessional, condescending, disrespectful personel. Three solid months of torture and still no closing. Did I mention taking time off from work for closings that never happened? My lawyer has been notified. I only wish they offered less than one star to "rate the lender."

I cannot believe USAA uses this company. Years ago before the housing bubble burst, I messed up and sent a payment for $10 less than what was owed. They sent in an appraiser to evaluate my property for foreclosure. If they had gotten it, it would have been a nice $100,000 profit for them. Fast forward to 2010 and we had some difficulty. Their help number had over 60 minute wait to talk to someone who knew nothing about options. Could never get a call back either. Stay away from these guys.

PHH is a scam!!! They took my home of 21yrs for ne missed payment of 650. They retuned one modificaion payment but still we 4 more of 650.00!!! They have outsourced everything to India and 9 of 10 people cannot speak english!! Customer service is a sham as well!!! DONOT DO BUSINESS WITH PHH!! YOU WILL REGRET IT!! NIGHTMARE!!!

They say that they are "honest and ethical everyday"... well this is for everyone who has been stepped on by the (real) other side of their spin!!! Come join us on Facebook at https://www.facebook.com/ShameOnPhhMortgageRbsCitizensBank?ref=hl

Our refi process was in its 3rd month when we backed out.Our paperwork was lost repeatedly, our loan officer was less than bright.The "underwriter" kept asking for revisions, such as a signature on pg 2..2 weeks later,a signature on pg 5..2 weeks later, Oh,we need a signature on pg 15!Last straw, we need to submit a subordination request to the 2 lien holders on the title.Could take 9 weeks.Regardless that the 2 liens would be satisfied w the refi! Now we have a $500 fee for cancelling. At least that's all

Miserable company to deal with. I now know why Charles Schwab & Co. decided to drop them and go with Quicken. STAY AWAY!

I don't even have a loan through PHH and they're sending me a bill? I got a late payment notice in the mail yesterday. Called the number and it was a direct line to transfer them money. Called my legal office and they said to bring the bill to them and they would handle it.

Our mortgage was sold to them when Harris Bank took over Amcore bank in Wisconsin. We didn't have a choice to get them. From day one we have had nothing but problems with them. They do not apply my mortgage payments as I have indicated on the loan coupon. They apply some to principal and some to escrow. They do not have the brightest employees working there. I would have thought that they would require employees with at least a 2 year degree in finance/accting but I think they just get them off the street.

Just got off the phone with a real-live person (in india presumably) who was incredibly helpful.

Paid off my mortgage in November 2011 however TransUnion and Experian still show the unpaid balance in August 2012 and that the loan is still open. After several calls and getting transferred I was told I had to fax my credit report to them to review. Can't they run credit reports? They refused to provide the phone number of the person who would be researching their error, claiming she either didn't have a phone or her number was not published to PHH employees. Finally a Supervisor says they will research it.

I purchased my home in 12/2005. I informed them in 6/2009 I needed help and was told they can not help me unless I am behind in my payments 3 months or more. So I fell behind on my payments. The help I got was to fill out the "making homes affordable" paper work at least 6 times. I was denied 6 times for: "making too much money, not making enough money, we lost my paper work." At the same time they proceeded to foreclose on my home. I now live in my foreclosed home waiting eviction. This was not help!

When you are lucky enough to have someone on the phone, they don't address the issues properly, they are rude, they hang up on you. They never call back. I don't know where these people get their training and how they are still in business.

PHH Mortgage has the most incompletent employees with the worst customer service ever. They don't return phone calls or emails. Beware. Going to PHH Mortgage will destroy your life. Looking for home financing - refinancing - home loan - go elsewhere. Save yourself from the nightmare. A simple transaction can turn into one of the worst experiences of your life. Their customer service is terrible! They can't process paperwork and it will cost you you

We had golden oak lending who used PHH for their mortgage services and we closed on the loan 10/11. I noticed we never got a statement showing our escrow and princle and interest, so I called. Big time run around they told me since I was on a by weekly paymnet plan that we had used before we could only get a statement every 6 month, bull****. I told her that was the worse line of crap i had ever heard, she told me that it should have been explained at the closing. Who are they trying to kid?

I'm not in a hurry for my mortgage deed. I want to pay off but they won't take a personal check. Want to bill me a wire fee. COMPLETE CRAP. Most of the time you get someone who barely speaks ENGLISH

They change policies as you go on and lie about it.(1) After a year of having them as my mortgage co., they decide that they want to escrow my flood ins. & taxes. I tell them NO, that I will pay it, they refuse and tell me its the law & start billing me every month. (2) Then when it comes time to renew my ins. they don't pay it. Then they send me threatening letters telling me they're going to buy me ins. because I didn't renew my policy. Takes me 3 months to finally convince them that they're supposed to pay it.

STAY AWAY! They remodified our mortgage and we owe more than we mortgaged five years later. Their math doesn't add up ever and no one knows anything. They are terrible! On top of everything they always say we have escrow shortages and our taxes are lower year after year. However, they keep hitting us with shortages. It's been a terrible experience. We are hoping the shortsale goes smoothly! Wish us luck

When this clown outfit got our mortgage they took my wifes name off of the loan paperwork. They said it wasn't their fault and after sending authorization e-mails and faxes, they still won't talk to her. Tried to refinance and they refused with a letter that stated a lower payment amount and a higher income amount than what we sent them with all the paperwork they requested. My wife is now in contact with the NJ attorney generals office and we suggest you all do the same to file a formal complaint.

Every year a pay my mortgage on time and in full and they send me letters every year that I missed payments. Even though my Bank Statement says differently!. I am planning to take legal action against them. They also refused to fix the issue...

PHH and their customer service are difficult to deal with from the day you apply for the mortgage until after you pay off the loan. If you think getting the loan is bad just wait until you need to jump through hoops to make the final payment, get it properly credited and then to get your escrow funds released.

horrible experience with PHH bank. I tried to refinance. Tons of paperwork and nothing in return... stay away...

Stay away. Absolute nighmare to deal with. Totally incompetent staff. Phone calls routed out of the country. 6/1/12 - they had no idea how to refi me because I had ground rent. They drug their feet for months, passing me from loan officer to loan officer. Stay away.

I am a new customer, not by choice. Their payment due email went to someone not on the mortgage. Neither the email nor the link provided stated who they were nor provided a phone #. Called, no help, got cut off. Call again. Second rep. thought the email likely spam. Manager was supposed to call me back but didn't. Sent them an email, no response. Finally called and spoke with an unsympathetic manager and later rep. from Office of the President not much more understanding. Is this company for real?

Bad Customer Service.. Stay away from this company!!!! They scam you for a fee and don't put your mortgage through.

I was solicited by PHH & offered a $0 closing cost refinance package at a fairly reasonable rate. When the refi package arrived, closing costs were listed as $2,600 total. In what mathematical universe does that equate to the promised $0?

after having me sign a final commitment and closing cost they asked for us to pay our taxes in the settlement saying loan took tooo long . their fault it was too long and we pay taxes on our own. never settled.sent me me a paper saying i did not qualify. customer service in manila so much 4 being American. DO NOT GET ANY THING FROM THIS MORTGAGE COMPANY!!!!!!!

Had a loan with this company for almost a year when they started charging me double insurance. When I called I was unable to get any answers for over 3 months!! Finally they admitted to charging me double but said that it was my fault I did not recognize it sooner. Nearly every month they send a late payment bill which I've had them remove each time I have called them. This month the bill +$200.00, my bank statement shows that the money was taken out 2 days before it was due.They are still charging the fee.

POOR POOR POOR customer service, I have been working on an issue for three months, and keep getting excuses and more excuses. Nothing has been resolved about the refund I am due. They don't care about their clients. They don't return phone calls or follow up with calls. They tell you they have no way of contacting the service company they hired that sends out request forms except through email, thats BS. I need my 1210.00 refund. BE ADVISED, DON'T USE THIS MORTGAGE CO., YOU'LL HAVE NOTHING BUT TROUBLE

I applied for a loan modification for my VA loan in JAN 2012 after I lost my job in OCT 2011. The 1st time I submitted the package, I was denied because I was not 60 days delinquent. I reapplied on the 60th day of being delinquent. 2 weeks later I received my loan modification papers. Dont be discouraged. I was constantly on top of this process, received debt counseling, and met with a HUD housing counselor. I am not completely happy with the specifics and can agree that SOME customer svc sucks.

this is by far the worst company I have ever delt with. Broken web sites no customer support and outrages billing practices. RUN, RUN NOW and RUN FAR

Why would USAA "partner" with this pit of DIS-service? Words can't describe the poorest customer service. 36 years with USAA and a top credit rating nets this? Examples; 1. No one seems to do their job - leaves the customer "at fault" when - and they will be - at fault - but it's your problem... 2. Long holds then you're disconnected - arrggghh! 3. Poor employee training - no one knows what they are doing - see #1 & 2 JUST STAY AWAY - borrow from your parents, friends - anyone but PHH - USAA; take note!

After my wife was involved in a very bad car wreak last february. WE gat behind with our payments . Called them about some help. They never sent any paper work for use to fill out. This Januray we got 7 letters from some law firm saying they forclosed on the house and sold it at the court house after we received the letters. We called the court house and they had no record of the sale. We call the news paper and it was never listed in the paper. We have called PPh 7 times have yet got any answers. VERY BAD

we are trying to get a HARP loan due to our high LTV that PHH put us in. All we needed is for PHH to sign the subordination for our HELOC. I received a letter from PHH yesterday that was dated February 16 that was postmarked March 6th stating the request for the subordination was received. Our subordination request was then denied on March 7 due to a CLTV ratio higher than 80%. Something PHH should have mentioned when they received the subordination request. PHH is a predatory lender.

I recently called PHH to see if they would lower my interest rate from 6.375% to something more around 4% seeing I have never been late on a payment in 6+ yrs and we are having trouble paying. The guy on the phone told me no, why they should. I told him 3 families have walked out of their homes on my street alone and he told me "that's an option" He did not care. So we are basically screwed trying to pay as long as we can before we walk.

I was told that they didn't participate in programs like the unemployment and hamp program. When I called FHA directly I was told that on my loan they didn't have the option. Unfortunately, I already listed and signed a contract for a pre-forclosure sale. I basically lost my house because the would rather rip off FHA than offer me any help. When questioning them about it I was told that "we cannot speak for everyone that answers the phone here". I think they are going to have to when FHA calls.

I wish I never went with this company!!!! There is a fee for everything you do!!! I am surprised they don't charge a fee just to pay your monthly mortgage!!!

PHH has my loan wanted to pay off home equity from another bank and alittle lower rate.started in dec.2011 and now it mar.2012 and 149 papers later many duplicated. I was told my husband needed not to be involved due that they used my signature on the application and my work history only and most important I got the mortgage when I was single. I was to close four different times never mention about that they needed my husband signature. Wrong LIE LIE you do. Did not close but still asked For more documents.

All PHH cares about is booking more loans for their real clients, banks and credit unions. They don't care at all about the consumer. They are rediculously difficult to deal with and non responsive to the consumers questions and concerns.

If it was possible to give a negative rating on here, I would. PHH Mortgage fraudulently forecloses on your home even if you have kept up with all your payments. They refuse to produce original loan documentation, increase your principal amount as you make payments instead of decreasing it, steal your money, and destroy your credit. The Federal Govt needs to shut them down!!!!!!!

I bought a Home using PHH this february. I had great experience using the company. the loan officer stayed in direct communication with we the whole time. I was incouraged to shop around for loans and found the best rate and lowest closing costs with PHH. Everything went smooth and closed on time under the G.F.E. I am not a actor and i do not fork for PHH.

I worked there for 16 months. It was TERRIBLE! Customers waited on hold for hours because the call volume was so high and PHH did nothing about it. They will hire ANYONE off the streets and provide VERY little training! I feel sorry for their customers!

it would take far too much space to detail the harassement & fraud perpetrated by phh. i will see them in court, after 1 year of submitiing documents, systematically being told they weren't applicable or eligible, offereing packages whenever they did not assuage the situation..it has been amazing that they have not be sanctioned. but, they will be. and, after wasting my time & money for a year, i will see them in court for damages. jo-anna sparta, easton,md ps-poor ratings are too good.

I am a licensed Realtor working in the state of MN. I have been selling real estate for the 9 years w/one of the largest brokers in the world. The loan officer that I recommend is with PHH. NOT ONE of my hundreds of clients have anything but wonderful feedback for the loan officer, rates, loan products and overall experience! A majority of the reviews here refer to their experience with loan modification and foreclosure prevention... These are difficult products with delayed/broken procedures.

Demanded money in escrow for work that had to be done on the HUD house we purchased. Sold my loan the day after I mailed 1st mort. payment. Never forwarded payment to new bank. Late charges and credit bureau report because of them. Only clicked the stars because it was required. I would never recommend this company! POOR POOR POOR! POOR! They should not be in business! Get rid of them! Quick to take money, slow to return it! Could not even find my loan number the 1st time I called! Yuck!

These guys are under investigation by multiple Federal agencies for mortgage fraud. Do your homework!

The womamn on the line was very rude, and would not ensure that I had the proper website. I am trying to make a payment and am unable to because she would not tell me what appeared once I found the website because I could not find the appropriate site! Not very happy and I am sure this company would like to receive a payment! Not very pleased.

Met all requirements, finanical, credit score etc... Needed to make a few repairs on house but wanted to do a nice job and not a crappy one like they insisted just so we would meet the standards. We couldn't come up with money out of pocket (hence reason for cash out refi) so we ended up losing lock in rate and too much time lapsed, everything was closed out. I understand their side but they could have held a majority of the money until the repairs were finished. Such is life I suppose

I should have followed my instincts and, after they asked me to submit the same paperwork numerous times< I should have gone elsewhere. The loan was originated by a friend with Caldwell Banker so I did not want to cause grief for him by stopping the process. When I spoke to him about it, he stated that if we stop the loan now we would need to pay a processing fee. Almost to him to take a hike and, in retrospect, I should have. DON'T USE THIS COMPANY OR ANY OTHER WHO USE PHH as there mortgage service company.. Every time I need to get on the website I wind up calling as the passwords don't work, the account gets locked, etc. I am a government trained IT person, This company sucks PERIOD. I am doing a refy with a local credit union to get rid of them and my loan is only 3 years old.

I just refinanced my $360k mortgage to a lower rate at the end of last year. (I'm not upside down or ever late with payments.) The online access to account balance is great and detailed and they responded promptly to my emails about changing my homeowners insurance carrier.

I went through PHH, but they must have sold my mortgage to mortgagequestions.com MQ.com was a hassle to work with. Ended up refinancing without even checking with PHH as they'd just sell my mortgage again. Wouldn't recommend to anyone. The process of the closing and stuff went fine but after the initial closing date, wasn't happy.

I was employed but could see that my job would be in danger in the future. So, I submitted a loan mod request. I called every month to find that they had not gotten to my file yet and it would be another "30-45 days". After 6 months, I had lost my job, I finally talked to somebody who told me that I had to be at least 30 days late in order to be considered. So, I got over 30 days late and they told me not to make any more payments while they reviewed. They started f/c and then denied my request. Idiots

They provide the worst customer service ever. I applied for a loan modification and never heard back from them until I started to call them. When I called to inquire they would say that it was being reviewed. I was told it would take 60 to 90 days. for them to review and make a decision. After several calls they finally told me that it had been 60 days since I applied and that I would have to start the process over because too much time had past.

I did not read the reviews until now. We are in the process of buying a new home and PHH was selected as our lender and I can't even get the fricking loan processor to call me or return emails in a timely manner. He is always "Out of the Office"! Our loan has been delayed because they have been sitting on paperwork which needed some additional items, but never made a single attempt to call me to rectify to move the loan forward. I called them and some pissed off worker who wasn't interested in listening

Gonna buy a home because the rates are so good,??? REALLY NOT a good idea. But if you so choose....atleast don't use PHH Mortgage for your lender! If only I had reviewed these customer reviews before I bought my home, perhaps I would have been spared all of the stress I've gone through! I made every effort to be in constant communication with this company when my husband received orders to move (Air Force). We tried to sell our home, and couldn't. They misinformed us about! D.I.L. and still are foreclosing!

I have been dealing with PHH since I got my mortgage.I asked for help on the HAMP program and was told I would have an ansewer in 90 days. 2 years later,after taking my payments for two years, they sent me ALL my money back and foreclosed on me.I called them, I was on hold for hours.I finally got to talk to someone and was told I didn't qualify because my income was "unverifiable".They took 2 mts. to give my lawyer an amt. to get caught up and the amt. went up by 8k from what they told me. PHH is a crook!

This is the most unethical group of people I have even met. They lie and maneuver and change things even after they agree to them. Do everything you can to stay away from these people.

We waited 13 months for them to tell us we were not eligible for any assistance. I followed up on the status weekly for 13 months only to be told "you have to be 3 months delinquent". They couldn't tell me that in the first call? This company is absolutely worthless and has no customer service.

Unfriendly and awkward website to discourage customers from making online payments. Ridiculous fees charged for making online or phone payments. Almost impossible to contact a human for service (hint: pretend you want to borrow more money). PHH generally is not very consumer or borrower friendly.

In refinancing a mortgage, the company failed to communicate required information, didn't follow up on phone calls, sent incorrect closing documents which required follow up on our end to prove they were incorrect. After completing the refinance, and confirming the old loan was paid in full and no further $ was due or would be debited from our bank, the company debited our bank account anyway for a payment on the old loan. Though acknowledging the error, they advised it was our responsibility to prove it.

PHH is the worstcompany in America. I lost my job, my husband lost his and three years later, we have applied for loan modification 15 times and they still have not given us a reply. They have lost the paperwork, thrown it out, asked us to redo it 14 times, lied, i can go on and on and on!!!!!!! they are disgusting thieves and liars if i have ever seen any. NEVER DO BUSINESS WITH THEM AT ALL- THEY ARE THE PITS.

Have to sell home due to divorce in a shortsale (at 100k underwater)- we receive an offer that was submitted to PHH in July 2011 - it is now December 6, 2011 with absolutely no answere in sight - they lose paper work - and leave the file just sitting on a desk waitng to be "assigned" to a negotiator - we are now hitting our sheriff sale date - and at that time we have six months to close on this offer - if no answer in that time period they will foreclose vs the shortsale - awful awful place to deal with.

I am a contractor who did work on a house that was mortgaged through PHH. Its 8 months after completion of the job and still no payment. The homeowners are very happy with the work. Each time we call to find out where our check is, we are asked to jump through a new hoop. As I am writing this review, I am on hold with PHH. You will not believe it until you experience it yourself. My condolences to anyone who has to go through this. Kurt Kephart - Rocky Mountain Restoration - Billings Montana

We have had nothing but trouble with this company. First, everyone I speak with is not even from the US. They are of no help with ANYTHING at all!!! Second, they did not pay our home ins. as was setup in the contract and then faulted us (while they still charge us for the home ins every month...?) We were just told that they need to charge us an additional $200+ a month due to an error THEY made. BS! Refinancing ASAP! They get 1 star when they do not deserve that...can someone add negatives to the ratings?

Refi'd with these idiots because of my bank. They double paid my property taxes it took two years to get them to even admit that they made a mistake - nyc fined me thousands in late penalties and they took that from my escrow too - never told me. Make sure they pay your taxes!

They never follow through with their promises. I have been trying to get a payoff on a mortgage for 3 weeks and they never send it. I estimated the payoff myself (adding a few dollars for cushion) and the refused the check and returned it. I can never get a supervisor. HORRIBLE SERVICE!!!!!!!

My husband was laid off twie in one year...I immediately began modification process and all i got was delay after delay iwas told to wait 60-90 days....day 91 again i was told 60-90 days. then paperwork was lost or they needed to new paperwork...or new form filled out. it has been three years and I have not been given an answer. I am still in the process.....i have no savings left waiting for them to respond and now I have to turn the house in. now I am homeless....thanks PHH

I have had incredibly awful experiences dealing with these idiots. It's not worth anyone's time to go into the details, but between my re-fi and now trying to get them to endorse a FEMA check, I'm like nothing more than to never deal with them again. If it was simple to transfer a mortgage, I would have done it years ago! The customer service is absolutely terrible.

The company is a joke. They lead you on and lie to you through out the process. The HAMP program, PHH has mad an mockery out of it. The Government need to do something about this company mis-guided (unclear) practices. Financing with PHH was the worst mistake of my life

I have never in my life been involved with such a screwed up company. When people tell you they keep you on hold, transfer you constantly or don't return your calls, they're not lying. It's a nightmare. Do not get involved with these people. If you are, refinance with somebody else, preferably a bank that doesn't sell your mortgage. Believe me, you'll find out the first time you have a problem.

PHH took TEN months to process my HAMP package and in the end denied it because my loan "was not eligible because it was not signed up before Jan 2009". Every week for MONTHS, I would email them asking for status updates and I had to jump through a hundred hoops - getting screeds of bank statements, documents they needed, getting my ex to sign a Quit Claim Deed, the works!! Then they deny me for something they could have told me the first day?????!!!? Yea, they SUCK!!

Sat on hold for 25 minutes at 8:30 a. eastern (opening time), was taken off hold and hung up on twice until finally getting someone who was interested in assisting. She was very helpful, it's too bad that I had to be hung up on twice and talk to three people before getting someone who cared

Go ANYWHERE else, but do not get a mortgage through PHH, and do NOT use USAA to get a mortgage because they work through PHH also. Among a whole host of irritating things they do, PHH uses Western Union to take in payments online, payments that should be FREE to send from your bank to PHH, anytime before the 16th. They call this a 'fee' but not a late fee, because that would be against the rules, but that is exactly what it is, a late fee. HORRIBLE customer service also. They do NOT care about helping.

I did and what a mistake. Wasted 3 months and a good rate. They could not get underwriting done in 3 months for a re-fi. You wouldn't hear from them for 3 weeks, then they would ask for stupid stuff like reprinting documents because of small type. And then when the closing date and rate expires, they want additional points to continue because they are not done. I lean toward incompetence. I went elsewhere!

My husband and I went through a mortgage broker who used PHH for our VA loan. PHH has delayed this mortgage several times. They have returned bank statements because they believed the 'print was too small' (which it was not). Each time paperwork got turned in, PHH would come back a week later and want something else. Our loan was supposed to close July 15th and we are STILL waiting to hear back from our last round of paperwork. We are considering abandoning the loan altogether at this point and working with someone else.

I have been with PHH since 2007 and went into foreclosure twice. Each time I asked to be considered for a loan modification and was denied 5 days before the sheriff sale. PHH used the law firm Shapiro & Zielke who lied about the figures when I first called. Within a 7 day period they increased the amount $1166.22 and finally to $11,798.41 to get it out of foreclosure. PHH did nothing when I told them what happened.

Recently I had refinanced my house through my own bank and they handed it over to PHH Mortgage. On my first mortgage, PHH was my lender. I had sent in a payment by mistake during the time I was refinancing. When I called PHH to ask them to send the money back to me, they fed me with all kinds of political garbage of why they couldn't do it and insisted they put that money into escrow. I can't imagine they being so hard up for money that they needed to keep mine, but I would definitely not recommend PHH Mortgage.

I bought a house through USAA in 2006, which is served by PHH,and lost my job and went through a divorce. When I've turned to them for a loan modification I've gotten nothing but games and lies. First, they claimed they didn't receive the paperwork, then while my package was "being reviewed" I received a foreclosure sale date and had to file for BK, and now after applying again and having to turn my Chapter 13 into 7 I got a foreclosure sale date in less than 3 weeks while my loan is still being reviewed!