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Buy a Home


Buy A Home

Whether you’ve already found the perfect home or you’re just starting your homebuying journey, you’ve come to the right place. From determining how much you can afford and being ready to put in an offer when you find the right home to closing on time, we’ll make sure you are prepared for every moment.

And when you’re ready, you’ll be able to get Pre-Approved quickly, Lock in a competitive rate, Shop confidently, and Close on time - guaranteed. That’s our PHH Purchase Promise to you! Our easy process and exceptional service make purchasing your next home smooth and simple - as it should be.


If you’re thinking about buying or are currently in the market for a new home you need to be prepared to move quickly and stand out. A PHH Pre-Approval can help you do just that. Before you even start searching for your next home the first thing you should do is get Pre-Approved.

Getting Pre-Approved:

  • Saves valuable time by determining how much you can afford to narrow down your home search
  • Shows sellers you’re a serious buyer and helps you stand out in a competitive market
  • Provides sellers and agents confidence in your ability to get a loan and gives you more negotiating power
  • Allows you to move quickly once you find a home, because we’ll already have most of your critical documentation

PHH wants to make sure your homebuying experience goes as smoothly as possible. That's why we exclusively offer PHH Lock & Shop to Pre-Approved customers. While you’re searching for your next home, look with the peace-of-mind that if rates go up, you're protected, and if rates go down, you can still take advantage.

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 MA, OR. 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.

When you find that next home, there is nothing more critical than getting to closing on time. That’s why we guarantee that you will close on time, or we’ll give you $1,500!

PHH Mortgage has made major enhancements to simplify our homebuying process and make it as stress-free as possible. We now provide paperless options like our digital loan application, asset verification, and Hybrid E-closing processes.

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.

We're always looking for ways to make life easier for homebuyers. If you’re a current PHH homeowner, you now have the option to transfer the escrow balance from the home you're selling to the home you're buying! This means less cash out-of-pocket for you and is exclusively available to you, as a PHH customer, if you choose PHH Mortgage as your lender for your new home purchase loan.

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.

How To Get A Mortgage Pre-Approval

Getting Pre-Approved for a home loan provides clarity, confidence and a competitive edge in the homebuying process. It helps you set a realistic budget, speeds up the approval process, and enhances your chances of securing the home you want. 

My Next Home

Whether you’re upgrading, downsizing or moving across the country, your next home can open doors to a world of new opportunities. Let our Loan officers show you what’s possible.

My First Home

There’s nothing like finding a first place to call your own. Our tools, checklists and expert guidance help you navigate the homebuying process, understand your options and keep the experience as stress-free as possible.

My Investment Property

If you’re considering an investment property – whether to flip, to rent or to add to your financial portfolio – we have a wealth of information to help you become knowledgeable about the mortgage process based on your circumstances.

Purchase Calculator

Want to know how much home you can afford? Just answer a few simple questions and we'll show you an estimate that includes the projected loan amount for which you may qualify, the monthly payments and other important figures.

Your Results

You can afford a house up to:
Monthly Payment Total
Results are based solely on the information you have provided; product may not be available for all terms entered. These calculations are provided for illustrative purposes only and do not reflect any closing costs or down payment. If mortgage insurance payment is listed, illustrative payment is based upon a conforming fixed loan for owner occupied, 1 unit dwelling for a borrower with a credit score greater than 760. This is not a credit decision or a commitment to lend. Please contact an experienced loan consultant at (800) 449-9536 for more accurate and detailed information.

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