Reviews: 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!

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 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.

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 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!

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.

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

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!!

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.

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 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.

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

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!!!!!!!

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!

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?

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

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.

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.

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.

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.

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.

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.

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!

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 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

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 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

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 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.