Get Started

At PHH, our easy process and exceptional service make reaching your home loan goals simple. Complete the form below to get started.

By providing your contact info and clicking Get Started, you expressly consent by electronic signature to receive sales, marketing and other calls and texts, including those sent by an automated system or other means for selecting and dialing phone numbers, or using an artificial or prerecorded voice message, from PHH Mortgage at the number provided, even if that number is on any state/federal Do Not Call List. Agreement to receive calls/texts is not a condition of purchasing goods or services. For texts, data rates apply and message frequency varies. Reply STOP to unsubscribe or HELP for help.

Mortgage loans are subject to credit approval. By refinancing your existing loan, your total finance charge may be higher over the life of the loan. Application approval is subject to complete underwriting review based on program guidelines; not all applicants may qualify. Limitations may apply. This is not a commitment to lend. PHH is not licensed to do business or originate loans for properties located in Hawaii. 

PHH Loyalty Lock-In Details: The PHH Loyalty Lock-In program is designed to provide you with the most competitive mortgage offer. This applies to first lien forward mortgage products for purchase and refinance (all government and fixed-rate conforming conventional loans). To qualify, you must provide PHH Mortgage with a locked Loan Estimate (LE) from a competitor, dated within two (2) business days of your new mortgage loan application with us. Excludes offers from the builder’s preferred lender and Credit Unions. The competitor's offer must be for the same product type and loan terms. We will match or beat the competitor's offer by $500 total in cost, though the decision to match or beat remains at our discretion. This offer does not apply to loans already in process, and you can only utilize one comparison per loan application. By locking a PHH Mortgage loan, you confirm our offer was superior. If we cannot meet or beat the competitor's offer, to receive the payout, you must fund with that competitor, and you must provide a final Closing Disclosure as evidence. We will send you a gift card for your first principal and interest payment, up to $2,000.

New York: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Not available for New York consumers, NY residents click here.