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Homeowners across the country are looking for smarter ways to manage their finances—starting with their home loans. One of the most effective ways to cut costs, improve terms, and unlock cash flow is to refinance your mortgage. With changing mortgage rates and evolving financial needs, this year may be the perfect time to consider a refinance.Here are the top 5 reasons why refinancing your mortgage in 2025 could be a game-changer for your financial health.Take Advantage of Lower Mortgage...
READ MOREIf you've come into some extra money - maybe from a bonus, inheritance, or tax return - a mortgage recast could be a smart way to lower your monthly payments without changing your loan terms.
READ MORECredit is an agreement to borrow money with the promise that you will pay it back at a later time through scheduled payments.How Credit Influences FinancingMaintaining good credit is key to financing a home purchase. In fact, your credit is one of the first things lenders examine when considering you for a loan.What can you do to improve your credit – and your chances of getting a mortgage? Making payments on time is an important way to establish good credit. A pattern or history of...
READ MOREBuying a home is one of the biggest financial decisions you’ll ever make, and proper planning is key. A mortgage calculator can be your best friend when it comes to home loan planning. It gives you a clearer picture of your monthly payments, total interest costs, and how different factors impact your loan.What Is a Mortgage Calculator? A mortgage calculator is an online tool that helps estimate your monthly mortgage payment based on the home price, loan term, interest rate, down payment,...
READ MOREPayments are typically due on the first day of each month, however, you may have a grace period before a late charge is assessed. If your payment is not received by the last business day of the month, you may be reported to the credit bureaus.
READ MOREYou can speak with a Customer Service representative in a language other than English, or get a verbal translation of any correspondence. For New York City customers, translations and descriptions of commonly-used debt collection terms are available in multiple languages on the New York City Department of Consumer Affairs website, www.nyc.gov/dca.
READ MOREWe are committed to providing world-class customer service at your convenience. We welcome your comments and questions regarding our website and our mortgage services. Visit our Contact Us page to learn more.
READ MOREIf you are dissatisfied with any aspect of the servicing of your account, please contact us. If you are unsatisfied with your response from our Customer Service Department, please use the address below and include your name, account number, property address and a statement of either the information you are requesting or the error you believe has occurred. PHH Mortgage P.O. Box 24695 West Palm Beach, FL 33416 New York Property Owners: You can also file complaints about your...
READ MOREIf you wish to request information or let us know of an error relating to the servicing of your mortgage loan, please use the address below and include your name, account number, property address and a statement of either the information you are requesting or the error you believe has occurred. PHH Mortgage PO Box 24695 West Palm Beach, FL 33416
READ MOREIf a financial hardship is affecting your ability to make your mortgage payments, we are here to help. PHH Mortgage is The Leader in Loss Mitigation!®. Our specialists will review your situation and determine the best available assistance option for you. This assistance could include any of the following: Repayment Forbearance Loan modification Short sale or pre-foreclosure sale Deed in lieu of foreclosure Partial claimIf you've experienced a financial hardship: Click...
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