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Are there language access services available?

You 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.

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How can I contact PHH Mortgage?

We 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.

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How do I submit a complaint?

If 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...

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How do I submit a Request for Information or Notice of Error?

If 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

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What do I do if I'm having difficulty paying my mortgage?

If 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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How do I start a review for mortgage assistance?

You have a few options to get started. Option 1: Online:   If you've experienced a financial hardship. Click here to be taken to our Homeowner's Assistance page to get started.Option 2: By Mail or Email:  You can also complete the Mortgage Assistance Application and send it by mail or email. The application requests your current income and expenses and the reason for your hardship to help us determine the best available option. Click here to print the...

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I started an application for mortgage assistance. How can I complete the application?

Click here to be taken to our Homeowner's Assistance page to get started. 

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What is an escrow account?

An escrow account is money we set aside to pay expenses related to your mortgage, like property taxes and homeowner's insurance. We break these expenses into monthly installments and add them to your mortgage payment. When your property tax and insurance bills are due, we pay them on your behalf from your escrow account.  Learn more in our Escrow Education Center.

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When does PHH Mortgage complete an escrow analysis?

An escrow analysis is typically performed annually, to ensure sufficient funds are being collected to avoid escrow shortages and overages. However, off-schedule analyses are also performed to ensure sufficient funds are available. Any increase or decrease to your annual property taxes and/or insurance premiums may cause your mortgage payment amount to change. We provide details of your analysis in the Escrow Account Statement. For more information, visit the Escrow Education Center.

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