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Understanding Fees and How to Avoid Them

Nobody likes to be surprised by unexpected fees. Learn more about some of the most common fees that may be charged to your account, and potential options to avoid them.

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State Licensing

Information about PHH Mortgage's licensing

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Contact Us

Connect by phone, chat, email, and more.

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Can I make my payment over the phone? On the web? Through the Automated Phone system? What is the fe

Yes. You can process a payment through this website or the automated phone system at 1-800-449-8767. This number is available 24 hours a day, 7 days a week. Please refer to the Fee Schedule for various fees by states. Customers that have registered for Paperless Statements will not incur a fee to process a payment online. All payments processed by 11:59 pm ET on a business day will reflect on the account on the date the payment was made. Payments processed on non-business days will...

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How do I stop my Autopay before the next draft date?

Once-a-Month or Biweekly Payments You can cancel once-a-month or biweekly payments through our website at any time. Visit the Payment section and select the Autopay link or call our Customer Care Department at 1-800-449-8767. Twice-a-Month Payments You can cancel twice-a-month payments up to three business days before the draft date by calling our Customer Care Department at 1-800-449-8767.

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If I'm in the process of paying my loan in full, should I notify Customer Service to stop my Autopay

If the payoff occurs before your draft date, the draft will cancel automatically. If your draft occurs while the payoff funds are in transit and you wish to avoid a duplicate payment, we do recommend that you cancel the draft. Please note, if your mortgage payment due date occurs before the payoff date, you're still responsible for the monthly mortgage payment. Once-a-Month or Biweekly Payments You can cancel once-a-month or biweekly payments through our website at any time. Visit the...

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What should I do if I change my bank account?

To update your bank account, we must receive the new bank information three business days before the next scheduled draft date. We will process your request and notify you in writing with the effective date of the change. Payments will continue to be withdrawn from your old account until that date.Once-a-Month or Biweekly Payments  Please update your information by visiting the Payment section of this website and selecting the Edit Enrollment link under Autopay or call our Customer Care...

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Do you offer a one-time online or phone payment?

Yes. You can make a payment 24 hours a day, 7 days a week online or using our automated phone system at 1-800-449-8767. There may be a fee to process a payment. There is no fee to pay online if you're signed up for paperless statements. All payments processed by 11:59 pm ET on a business day will reflect on the account on the date the payment was made. Payments processed on non-business days will reflect on the next business day. 

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New Customers

Welcome to PHH Mortgage. Learn more about being a new customer.

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Refinance

Refinance with ease with Rapid RefiSimply put, refinancing means paying off your existing loan and replacing it with a new one to meet your current needs.Why Do People Refinance?Lower Interest Rate or Payment: Save money on your monthly mortgage paymentReduced Loan Term: Pay off your mortgage fasterAccess to Cash: Use home equity for home improvements or expensesConsolidate Debt: Combine multiple debts into a single loan, and saveMortgage loans are subject to credit approval. By refinancing...

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