This company merged with my old mortgage company this month. I sent my payment to my old company and in the letter I received PHH mortgage company said that they won't treat any payments as late durning the 60 day period. Well I was reported by them already in the 14th of April to the credit bureaus. In the letter it also states that can't take payment till April 7th when the website is up. This company has been extremely aggressive and has lied about the grace period. I'm disgusted with this new company that has taken over my mortgage loan and has treated me badly. I don't recommend this company and I suggest that you all avoid them at all cost. Disgusting immoral aggressive tactics don't make for a great company that lies. I have no choice but to be stuck with them because it was transferred without my consent. read more