What do I do if I am not receiving the verification code required to complete the log in process?

First, please make sure that you are using a valid email address or please opt to use Voice/SMS to receive the verification code instead. When using a Voice/SMS phone number for verification, please make sure that you are using a valid US phone number or please choose email instead to receive the verification code.

When will I receive my year-end statement?

For customers electing to receive mailed statements, your year-end statements tax information will be mailed with your January billing statement and postmarked no later than annually on or before January 31st or the following business day, and you should receive your statement within seven to ten days of that mailing. Statements are also posted online within the “Document Center” once available. For customers enrolled in paperless statements, your year-end tax information will be...

Can my Home Equity Line of Credit be placed in a Revocable Living Trust?

A Home Equity Line of Credit (HELOC) cannot be placed into a Revocable Living Trust because it is an open-ended mortgage. Only mortgages that do not have the capability of obtaining cash advances may qualify.

Todays Mortgage Rates

Considering refinancing, accessing cash from your home's equity or exploring options for a new home purchase? Start by reviewing today's mortgage rates.1 While these rates are recent national averages and not specific to what you may qualify for, they offer a valuable reference point.1Rates provided by Mortgage News Daily. Your actual rate may vary.

Refinance Guide

What is Refinance? Refinancing is the process of replacing your existing mortgage with a new one. This can be a great way to lower your interest rate, reduce your monthly payments, or access cash for home improvements. Refinance Checklist:Assess your current mortgage: Determine your interest rate, remaining balance, and loan term.Calculate potential savings: Use a refinance calculator to estimate your monthly savings.Check your credit score: A good credit score can help you qualify for...

Consolidate Debt

PHH understands how overwhelming debt can be. That's why we're here to help you simplify your finances, pay off high-interest debt, and free up cash every month. 

Lower My Rate

Looking to reduce your mortgage rate? We're dedicated to finding the loan best suited to your needs. Start by exploring how a lower rate or payment could help you achieve your goals.

Shorten My Term

If your goal is to pay off your mortgage more quickly and potentially save long-term, a Rapid Refi can help you do just that! While a shorter loan term may mean a higher rate or payment, it also comes with significant benefits.

Home Equity Loans

Get Pre-Approved

Getting Pre-Approved allows you to set your budget, strengthen your offer, and speed up the buying process.