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PHH Purchase Promise Guidelines and Requirements: Lock and Shop option is only available for borrowers who have been Pre-Approved with PHH Mortgage for a new purchase loan. A property address cannot have been provided yet. Valid for standard, Conventional and Government Fixed-Rate products only, not applicable for Jumbo loans. Lock and Shop option not available for properties located in CT, DC, FL, IL, ME, MA, MI, MN, NJ, NM, OR, WA . Upon expiration of the initial lock period, and extension will be available. Upon expiration of the extension period, if the loan has not yet closed, the lock will be invalid and will require a new lock, subject to worst-case pricing.

The PHH Purchase Close-on-Time Guarantee is our assurance that you will get to closing on time. If your closing date is missed, you will receive a $1500 credit toward closing costs. To be eligible for the PHH Mortgage Close-on-Time Guarantee, the contract closing date must be at least 25 calendar days after we receive a completed mortgage application, supporting documents, and a fully executed purchase agreement. It is required that you create an account and submit all documentation through PHH’s digital loan portal and that all requested items are returned within 24 hours. Eligibility may be impacted by changes in dates or loan terms, changes to credit, income or employment, or failure to meet any contractual requirements from the buyer/seller. The loan must be a PHH approved purchase loan product and meet investor guidelines. This offer is not eligible in states where PHH is not currently licensed. If we do not close on time and all requirements of the guarantee listed above have been met, you will receive lender credits totaling $1500.

Escrow Transfer requires that customers are selling a property that is currently serviced by PHH and has a positive escrow balance. The house being sold must close within 9 days of the closing of the house being purchased. All individuals listed on the current mortgage must remain the on the new mortgage. Additional limitations may apply.