PHH has a new website that needs improving. 1) New fees for autopay -- $7.50 (maybe you can get it waived if signing up for paperless docs.. not too sure) 2) New fee to pay for 'principal only payment' autopay - $7.50 So a reasonable person would want to cancel autopay and do bill-pay (no fee) from your bank. a) You cant find your account number anywhere on the new website b) You can find where to send your payments to! So I called, and got the addresses .. I can save you 40 minutes There are two different addresses to send payments (at least in VA) For payments PHH Mortgage Services PO Box 371458 Pittsburg, PA. 15250 For Additional Principal payments Payment Processing PO Box 5457 Mt. Laurel NJ. 08054 read more

Get out why you can go with anyone else. Nightmare company. Horrible staff and horribly run.

This company (ONITY/ PHH Mortgage). is very very dis-Honest..My advice to I anyone that wants to do business with them is...DON'T...BECAUSE...they will cheat you..Don't take my word for it..Just look at PHH and ONITY's reviews..They are a terrible company..AND..if they get a chance they WILL CHEAT you..BEWARE!! Just check out their REVEWS.. They are terrible..As I can agree with!!! read more

sold to onity mtge. getting into phh or onity to pay the bill is horrible they should be ashamed,multi million dollar companies and trying to make payments late or not having any customer service or contact. with them 1/12 and every month is an issue with on line and dont pay it by phone because thats a bigger issue read more

This bank is a joke! I put an offer on a home that had an Onity Mortgage. They told the sellers the loan was assumable for WEEKS. Then the assumption group said no it's not assumable and we lost WEEKS due to this being in the sellers counter offer. Do not trust anything they say they are all overseas call centers with a long delay on phone conversations and don't know what they're talking about!!! read more

This company is very unresponsive and the lack of customer service is terrible. We started a loan application for a refinance with more than 40% equity in the property and was strung out for over 6 months telling us they kept needing more docs and information which we kept providing. After 6 months we tried calling, emailing and could not get anyone to return our calls. Then we get notified by our insurance carrier that they need to change the mortgagee to Onity with a loan number so I called again to see if they closed the loan on the refinance. No one called us back for another 10 days and then we were told by Jacob Russell that our loan was not going to be approved. DO NOT WASTE YOUR TIME WITH THIS COMPANY!!! read more

The company is the absolute worst, so not surprised they're changing their name, lol. They forced their flood insurance on me by telling me I didn't need it, but then said that was a mistake (because of FEMA requirements) and they charged me like $800/month for their own flood insurance. It was such a scam. Now they required that I pay flood insurance for 2 years in advance (this year and next years policies that I had to prepay them), which feels like another scam. read more

They are terrible; avoid at all costs. There customer service is terrible, undertrained, and borderline incompetent. Our house sustained fire and smoke damage during the Eaton Canyon fires in January 2025, and we applied for mortgage assistance. We weren't asking for anything special, just the current 3 months moved to the end of the mortgage. This wouldn't solve our problem, but would help a little considering the majority of our neighborhood (and town) burned down. And despite hours of phone calls and dozens of rounds of tedious reviews, they denied our request. We weren't even asking to pay less money, just shift our back by 3 months -- something many other mortgage servicers were facilitating in the area. I know you don't have a choice about who purchases your loan, but you do have a choice about who originates it. Avoid PHH at all costs! read more

Like to add to all the other reviews here that if I could rate them zero I would. My loan got sold to them four months ago. I have been trying during that time to get access to my loan as at no point did they send mail or digital communication to me about them taking on my mortgage. The feedback was maybe the loan hadn't come across as yet to give it some time. I have been calling them consistently. even emailed their research department as advised by them so that they can look into it and find my loan and then when I call two days ago, they were able to find it, and I was able to get access to it and then they promptly asked me for the lump sum payment. I asked if I could pay an instrument just due to daily withdrawal amounts and it has been a back-and-forth for two days as they do not seem to actually understand the question and refuse to answer me properly they also charge me a late fee amount. This company cannot be real. read more

My brother paid off his mortgage years ago and PHH never kept track of it and is still owed. They don't even know how to cancel a ? What kind of company is this? no return telephone calls when we call numerous times is to run a mortgage company? I don't think so. read more

Terrible Service - Avoid PHH Mortgage at All Costs If I could give zero stars, I would. My mortgage was transferred to PHH Mortgage, and it's been a nightmare ever since. Every phone number listed on their website was either out of service or led to endless loops with no human response. I left multiple messages through their online portal--no reply. After days of trying, I finally reached someone, only to be told they couldn't locate any of my recent payments--even though they had already cashed my checks. That's completely unacceptable. If you have a choice, avoid this company. Their customer service is virtually nonexistent, and their payment tracking is dangerously unreliable. read more

This is by far the worst mortgage company I have ever seen! First of all, I was highly upset with Academy Mortgage for selling my loan to this God-awful company. They are notorious for overestimating the money needed in the escort account. Ever since my loan was sold to them. I have never had a year that I didn't have to pay the escrow account, every year in March. I will receive a notice one month exactly 30 days before they want the new payment. When I was with Academy Mortgage, every time they would do the assessment for the escrow account. They would give you at least six months in advance to let you know that the payments would be going up, and it was never more than $100, maybe 150 at best. With PHH Mortgage, you can expect an increase of at least $350-$400 every year they do the escrow assessment. They will only give you 30 days to start making the new payment. You will get a notice 30 days before the new payment is due. When I called to ask, why was I only given 30 days? Of course, no one knew anything, and they would not delay the new payment. It is due as soon as the notice goes out. In this economy, that is ridiculous. It's a shame that they don't have enough respect for these families to give them more time to figure out where they're gonna come up with another $350 to pay towards the mortgage. I am a single mother, and I don't have additional funds sitting around to pay the PHH mortgage, but thank God I was good about having a savings account that I paid into every pay period. My advice to anyone with this mortgage company is please make sure you pay at least $400 per pay period into your savings account, because if you don't, you will be screwed if you do not have extra money to pay that extra account. Last year, I sent them $4000 to keep my mortgage payments down. They sent me a notice 30 days before it was due that I would need to start paying 400 extra dollars onto my monthly payment as if it was nothing. I would never ever recommend this company to anyone ever! It's amazing to me how, when companies have a poor reputation for their service, they love to change the name instead of fixing their problems. To PHH Mortgage, changing your name is not gonna change who you are or what your company represents. you should have saved all the money in advertising to change the name in the website and improve your customer service cause it is trash. Thank God I'm selling this house so I can get rid of this mortgage company! read more

This company does not even deserve one star. They are so quick to take your home from you.And when you're facing challenging times they stray up a lie to you by saying they caint work it out. As a combat military veteran I caint believe these are the types of people i fought and bleed for. read more

Horrible company! Paid the wrong tax bill on my property, sent me a check with formal letter saying extra funds on the escrow. We spent the money of course. Got them to pay the correct tax bill and they added the funds to my escrow account increasing my monthly payment by 2,200.00 for the year to pay them back their mistake! No flexibility with refinancing options to correct the situation. DO NOT BANK HERE! read more

My loan servicing was sold to PHH. THIS IS BY FAR THE WORST MORTGAGE SERVICER I HAVE EVER DELT WITH. First, any reason besides a late charge, which I have never been, they will charge or try. Example, charging to pay on their website online. Charging to generate a payoff letter? Next they will start charging to login to their website. Fortunately my loan docs wont let them charge for early payoff and my state does not allow extra charges accept for late charges. DO EVERYTHING YOU CAN TO NOT GET LOAN SERVICING SOLD TO PHH. YOU WILL REGRET IT. read more

You can't get through to a human contact! You can only request documents online or by phone but not through a person

We haven't even started paying our mortgage yet and they're already a nightmare to work with. They were forced upon us by a mortgage broker and we've had nothing but trouble with the autopay and bi-weekly payment feature, and their customer service will say anything to get you off the phone, to include contradicting themselves entirely. How a company like this can even exist in the United States in an industry like this is beyond me. If I wasn't paying attention, this entire process would be off the rails. I feel for anyone who thinks this is what mortgage service is supposed to be about. Hands down just the worst I've seen in 49 years. read more

On September 8, 2025, I received an invoice for renewing my commercial property insurance. As required, I immediately informed my Insurance Agent that the mortgage company is responsible for this payment. The agent assured me that the invoice had been sent to the insurance company. To be proactive, I also forwarded the invoice directly. Despite this, on September 15, the insurance agent contacted me again because payment had not been made, with a due date of September 17 approaching. I contacted your office once more and was told, through the message center, that payment was "pending." On September 30, I received another call from the insurance company that payment still had not been received. I relayed this information to your company, and was told at that time that the payment had been "overnighted" on September 25. I immediately informed the insurance company of this, only to be contacted again on October 1 stating no payment had arrived. After multiple calls and conversations with different representatives, I was finally told the truth: no payment had been made at all. This directly contradicts the prior information I had been given on two separate occasions. The earlier statements were therefore false and misleading. To date, this issue remains unresolved. No one at your company has taken accountability for: * The failure to remit timely payment on an insurance policy tied to my property. * The false and misleading information provided to me as the customer. * The lack of communication regarding any documentation your office claims was missing. I have held this property for nearly two years, during which payments were previously made without issue. If there was an error or missing information, it should have been addressed long ago -- not left to put my coverage at risk. Adding to the frustration: * My repeated requests to speak with a supervisor or manager have been ignored. * Customer service representatives provide inconsistent and inaccurate information. * Communication is further hindered due to severe language barriers, making it nearly impossible to receive clear explanations. This level of incompetence, lack of transparency, and refusal to take ownership is unacceptable and places me at serious risk of lapse in coverage. I demand immediate corrective action to resolve this matter, including: 1. Written confirmation that my commercial property insurance premium has been paid in full and on time. 2. A clear explanation for why false information was repeatedly provided. 3. A direct contact for a supervisor or manager who will take responsibility for ensuring this issue is resolved. If I do not receive a satisfactory resolution within 7 business days, I will have no choice but to escalate this matter further, including filing formal complaints with regulatory bodies and seeking legal assistance. read more

I thought Mr Cooper was bad but phh mortgage company is worse, the customer service representative are so unprofessional and disrespectful I can't believe they are working with the VA regional office in Waco Texas, I did a research on phh and it shows nothing but negative reviews and complaints about the lack of service, what I don't understand is how is the VA regional office allowing this to go on, especially with so many negative reviews, I been with them for three months and very disappointed in the service of PHH mortgage company and they way they are not professional at all, I rate them a minus 0 and wouldn't recommend them to anyone.i will go to the VA regional office and let them know and I'll call BBB about the lack of service and the unprofessional service from phh mortgage company read more

This is the worst company I have ever dealt with. They decreased my original payment of mortgage saying there was an overpayment in escrow, for 1 whole year they didn't notice the escrow shortage and sent me a nice fat check saying this is your money you can use as you wish, then received a letter for the shortage of 1 year escrow saying I have to pay now. When called and asked what is this they said We are sorry for miscalculation, but there was en error on our end and you have to pay back the missing escrow money for a whole yer, they did a "favor" to me by giving me an installment for 24 months. Because of their error I have a raised payment now and losing my second job didn't help either. This company is a joke, customer service is horrible. When called for loan modification due to hardship It took them for over 3 months now , still no result. Every single phone appointment is a horrible experience with a heavy accent speakers and no results still. Every Phone appointment is delaying the process, because they need 1 more missing info, or the application's mark wasn't clear to them. I am struggling with this company since my mortgage was transferred to them 1,5 year ago from Direct Mortgage. I had not have even 1 single issue with the older company. Now they are changing their name to Onity, just wondering what is going on with frequent changes, hope the whole system changes to better. read more

Vincent and his department are professional, and do their jobs well! I have had many companies over the years, and this one is NOT Wells Fargo! They communicate and are reasonable. You can tell over the phone when people care. At least listening. They did that for me. read more

We got our home loan transferred to PHH. First they did not pay our impounded taxes, we had to deal w the county assessor and a mess w penalties and huge head ache. Then we send them check on 1-1-25 they don't cash it in tile 1-25-25, we had to call they day before the deadline to make an extra payment before they ruin our credit. The next month we send them a check and they partially cashed it,( never heard of that before) and had to go thru hell with them to pay the balance , they kept telling me that the system wont take it. 3 month of hell so far, stay away, HORRIBBLE ,TERRIBLE ,POS company THEY NEED TO BE SHUT DOWN NOW. read more

PHH Mortgage is the worst ever! We had a house fire and our insurance paid off the mortgage, PHH cashed the check on 12/13/2024 then turned around and filed foreclosure on 1/30/2025. Those who work for PHH don'T know if they are coming or going. No one there knows what they are doing, I mean you want to talk about a nightmare I could go on about them and all the things they pull. They don't even deserve a star! read more

I just called PHH mortgage for my mother's reverse mortgage, and I talked to a guy named CHRIS. He was belligerent, unprofessional, talked over me constantly when I was asking questions. I had to tell him MORE than ten times to stop talking and listen to my issue, which he IGNORED and kept talking. When he was talking I said "I am talking and you are talking over me and not hearing a word I'm saying". He ignored me and continued talking, I asked to speak to a supervisor at least 6 times and he refused my request each time. He finally said "there is no supervisor available, they can call you back in 2-3 days". I told him that was ridiculous and I feel that he was not being honest with me about a supervisor not being available for 2-3 days. DO NOT DEAL WITH PHH MORTGAGE, they are terrible when it comes to customer service and dealing with complaints and/or issues. AND, Chris, after being belligerent said I was the one being rude because I kept asking him not to talk and to listen. read more

Terrible company. Heartless. After my dad passed away they sent a deadline for foreclosure and despite my doing everything they asked for and was ready to sell my dad's house, they claimed it wasn't enough and just stalled so they could proceed with foreclosure. Awful. read more

Oh man they're the worst. They specifically make it super difficult to make biweekly payments. Obviously because they're super greedy. I've had them literally for 4 years, and have been PRAYING they sell my mortgage elsewhere, but never so lucky. I can't refinance out of it because I've got such a good interest rate. But literally every single year there's a magical error with my biweekly payments where they start to just apply my payments toward principal and I get emails saying i'm overdue and late fees charged, and I have to spend time calling them to get it fixed. Seems like a shady business practice, where they just hope I won't notice and they get away with charging fees? I don't know, but don't ever get a loan with them if you can avoid it. Avoid at all costs. They're THE WORST. read more

The biggest crook, rip off and thief! They crooked me with a high mortgage and insurance rates! 3 or 4 times more than what it is supposed to be! I don't recommended PHH Mortgage to no one! Worst company EVER!! read more

It doesn't get much better with the state regulators... After I complained to Texas S&ML that "PHH" had STOLE 3 payments from me in 2020, the investigator just told me to pay up. Ok r u sitting down? I sent him proofs of payment, and he said "Oh those aren't the actual payments in question". Punk. How far up does a consumer have to take their complaint to be given credit?? I am now once again trying to recover that $. That's why i;m allying with anyone that is or wants to, once again, sue PHH for TERRIBLE communications and fraud. read more

this business needs to shut down absolutely horrible horrendous. I'm a first time home buyer and I swear I'm ready to throw in the towel because of dealing with this company you can't understand them because of there accent you never get any help you never get a answer to your questioning. shut this place down I've contacted the BBB on this company. read more

do not get a loan through this company. Everything was good until I went through the trail payment.

Phh mortgage or known as Owen's employees have informed us for years that they report to 4 credit agencies, however in 2024 when we attempted to get credit we found their explanations to be incorrect. We have lived in this house since my oldest daughter was 5 years old and every payment requested for our mortgage '& taxes have been made. The are causing us to not get credit because of their failing to report to credit agencies as they had informed us each and everyday. Please investigate this company to insure accuracy on my credit reports. Thank you read more

Customer service is a -10. Even though I prepaid my insurance for a year they refuse to red my escrow payments.

Horrible company, charged me for making over the phone payments for the first year of my mortgage. When I have sent them payment by mail, somehow it always takes them longer than two weeks to receive and process these payments payment, even though all the other bills I send out to other companies all manage to clear the check payment from my bank in 5-6 days max. I swear if I would have known that Quicken Loans was going to sell my Mortgage to them I would have never went to them in the first place. Stay away from them, you have been warned. - AH read more

Our jobs are interest-rate dependent. The higher the Fed keeps interest rates, the less work we receive. So in mid-2023 we contacted PHH for a loan modification. When we told PHH about our inability to keep paying our current monthly mortgage amount, we were told there wasn't anything they could do since we were current on our mortgage. Fast forward a few months and we fell behind. We contacted PHH again for a loan modification. They told us what documents they need to begin the process, and gave us a due date (typically a month in the future) to get it in. We were always prompt and delivered the documents well before the due date. This was always verified by PHH. But... We were always denied, BASED ON THE FACT THAT THEY COULDN'T REVIEW IT IN TIME and, therefore, we would need to supply them again with current documents (P&L, bank statements, etc.). As an example, we would get a letter from PHH on June 1st, stating that they need the most current documents (the past 2-3 months) sent to them by June 31st. If we sent out the documents on June 2nd, and PHH ackowledged receiving it on June 3rd, we'd get a letter in July stating they need more current documents, since they weren't able to review the ones we sent them on June 1st until AFTER THE DUE DATE, which would mean that the current documents now include June and July. We submitted time after time the current documents, and time after time they didn't review it in time and wanted more. In the meantime they were charging us tons of late fees and penalties, not to mention a fee for a Market Analysis value of our home which we were not told about. Today we tried making a full payment online for one of the months past due (there are now 3 months past due) but PHH would not let us pay. Instead they demanded payment in full, over $11,000, or they would start foreclosure proceedings. We told them we could be current in 3-4 months, but they still demanded payment in full or they'd foreclose. I'm at the end of my rope with these guys. read more

PHH of the four mortgage companies that have had my house, I have never had such a terrible experience, such poor management of my escrow funds, nor have I ever had such poor customer service, rude, indecent, contemptuous and sarcastic as the agent. PHH agent code UC154 if I remember correctly his name Alvin. These people took money from my funds and sent it to the wrong insurance account and now they don't want to take responsibility and return it. PHH de las cuatro compañías de morgage que a tenido mi casa nunca Avia tenido una experiencia tan terrible un tan mal manejo de los fondos de mi escrow como tampoco nunca ubo un servicio al cliente tan pobre mal educado indecent, despreciativo y sarcastico como el agente de PHH codigo de agente UC154 si mal no recuerdo su nombre Alvin. Estas personas tamaron dinero de mis fondos lo enviaron a una cuenta de seguro incorrect y ahora no se quieren responzavilisar y devolverlo read more

Abysmal/non-existent customer service. You are taken through many prompts without ever being able to reach an actual live human being. They include "customer service" phone numbers on their correspondence but it's a complete joke. I did manage one time to briefly get connected to some Indian-speaking guy in a third world crap hole only to hear him say "halo?" "halo?". He couldn't hear me because PHH is too CHEAP to hire actual Americans to handle the customer service for the loans they issue on homes in the United States. As a result it's taken forever to resolve a simply insurance policy update on my loan. I'm so disappointed that Sierra Pacific sold out to this ZERO STAR POS company. They SUCK and should be ASHAMED. read more

Run from this company they don't care about you when you have problems. Run run people. The CEO don't care they are making money by you paying the home than taking it from you from you are not able to make just one payment. People please PHH Mortgage is not a good company. read more

Horrible service. Horrible communication. Do yourself a favor and get a mortgage through a known bank and ensure they cannot sell your loan, otherwise you may end up with these clowns. read more

**WARNING** DO NOT DO BUSINESS WITH THIS COMPANY. This company bought my loan. I paid for an appraisal, which I was able to see but not have. The appraisal came back in favor of removing PMI and they refuse to send me the appraisal or acknowledge the value. This has been ongoing since January 21'. read more

They are the worst mortgage company out there.Do do anything with them. They buy up housing contracts from other companies.Then do not help you when you need help read more