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Tools & Resources

  

General FAQS

Valuable information about how to use this site and descriptions of general processes. Learn how we ensure your information is secure, when and how to be approved for a loan and how to change your information after you have submitted it.

Online Security

We respect the fact that a mortgage loan application contains confidential information that needs to be treated responsibly and with care. For that reason, we use an advanced security system in all Internet-based communications and in the management of personal records. For complete details on how we protect your information and the security methods we use, please visit the Your Privacy page.

Fees

IMPORTANT NOTE: The below chart is a list of common fees and costs that may be incurred by the borrower as a result of services requested and/or services rendered or incurred in connection with the mortgage loan. Actual fee amounts may vary depending upon the terms of the loan documents and applicable state and federal laws and regulations. This list does not include all fees and costs that may be charged, including, but not limited to, non-common costs, foreclosure costs, bankruptcy fees, attorneys fees and court costs. If you have any questions about other fees or services, please contact Customer Service.

Fee/Cost Title

Description

Amount/Calculation

Loan /Payment History

Document that provides the last twelve (12) months, unless other time period requested, showing the date and amount of all payments made or credited to the account and total unpaid balance.

$0.00 - $10.00 each*

Bad Check/ Non-sufficient Funds Fee ("NSF")

Fee charged to borrower due to bad check or insufficient funds in account used to tender payment.

$0.00 - 50.00 each*

SpeedPay via Website/ Automated Phone System

Fee charged to borrower when borrower uses the SpeedPay system to cover costs to process SpeedPay payments.
Paying via SpeedPay is one of the one-time payment options that a borrower may use to make his/her monthly mortgage payment.
Borrowers who have registered for Paperless Statements through the Message Center will not incur a fee to process a SpeedPay payment on the website.

$7.50 each*

SpeedPay via Extranet (Representative only)

Fee charged to borrower when borrower uses a live representative to process a SpeedPay.
Paying via SpeedPay is one of the one-time payment options that a borrower may use to make his/her monthly mortgage payment.

$17.50 each*

Late Fee

A fee charged to you when you fail to pay your mortgage payment as agreed; on or before your payment due date and/or prior to the expiration of your grace period.

Late fees are assessed in accordance with the terms of your Note and Mortgage/Deed of Trust

Property Inspection

Fee charged to borrower for an exterior inspection of property when loan is delinquent 45 days or more.

$0.00 - $40.00 each inspection*

Copy of Amortization
Schedule

Schedule that reflects the monthly mortgage payments broken down by interest and principal for paying off the loan based on loan term (i.e. 30 years, 15 years, etc.).

$0.00 - $15.00 each*

Payoff Quote Fee (Demand Fee)

Fee charged to a borrower when a payoff statement is requested.

$0.00 - $30.00 each

Copy of Loan Documents

Fee charged to borrower when copies of loan documents, including but not limited to note, mortgage, duplicative escrow statements or duplicative 1098s are requested by borrower.

$0.00 - $10.00 each*

Duplicate Coupon Book

Fee charged to borrower if duplicate copy of coupon book is requested.

$0.00 - $5.00 each*

Verification of Mortgage

Fee charged to borrower or authorized third-party for document verifying mortgage.

$0.00 - $20.00 each*

Priority Statement Fee

Fee charged to borrower for an urgent or faxed request for documentation in addition to any document charge.

$0.00 - $20.00 each*

Certified Mailing Fee

Fee charged to a borrower for a certified mailing.

$0.00 - $7.30*

A 7/1 adjustable rate mortgage offers an initial rate that is IMPORTANT NOTE:The below chart is a list of common fees and costs that may be incurred by the borrower as a result of services requested and/or services rendered or incurred in connection with the mortgage loan. Actual fee amounts may vary depending upon the terms of the loan documents and applicable state and federal laws and regulations. This list does not include all fees and costs that may be charged, including, but not limited to, non-common costs, foreclosure costs, bankruptcy fees, attorneys fees and court costs. If you have any questions about other fees or services, please contact Customer Service.

Fee/Cost Title

Description

Amount/Calculation

Loan /Payment History

Document that provides the last twelve (12) months, unless other time period requested, showing the date and amount of all payments made or credited to the account and total unpaid balance.

$0.00 - $10.00 each*

Bad Check/ Non-sufficient Funds Fee ("NSF")

Fee charged to borrower due to bad check or insufficient funds in account used to tender payment.

$0.00 - 50.00 each*

SpeedPay via Website/ Automated Phone System

Fee charged to borrower when borrower uses the SpeedPay system to cover costs to process SpeedPay payments.
Paying via SpeedPay is one of the one-time payment options that a borrower may use to make his/her monthly mortgage payment.
Borrowers who have registered for Paperless Statements through the Message Center will not incur a fee to process a SpeedPay payment on the website.

$7.50 each*

SpeedPay via Extranet (Representative only)

Fee charged to borrower when borrower uses a live representative to process a SpeedPay.
Paying via SpeedPay is one of the one-time payment options that a borrower may use to make his/her monthly mortgage payment.

$17.50 each*

Late Fee

A fee charged to you when you fail to pay your mortgage payment as agreed; on or before your payment due date and/or prior to the expiration of your grace period.

Late fees are assessed in accordance with the terms of your Note and Mortgage/Deed of Trust

Property Inspection

Fee charged to borrower for an exterior inspection of property when loan is delinquent 45 days or more.

$0.00 - $40.00 each inspection*

Copy of Amortization
Schedule

Schedule that reflects the monthly mortgage payments broken down by interest and principal for paying off the loan based on loan term (i.e. 30 years, 15 years, etc.).

$0.00 - $15.00 each*

Payoff Quote Fee (Demand Fee)

Fee charged to a borrower when a payoff statement is requested.

$0.00 - $30.00 each

Copy of Loan Documents

Fee charged to borrower when copies of loan documents, including but not limited to note, mortgage, duplicative escrow statements or duplicative 1098s are requested by borrower.

$0.00 - $10.00 each*

Duplicate Coupon Book

Fee charged to borrower if duplicate copy of coupon book is requested.

$0.00 - $5.00 each*

Verification of Mortgage

Fee charged to borrower or authorized third-party for document verifying mortgage.

$0.00 - $20.00 each*

Priority Statement Fee

Fee charged to borrower for an urgent or faxed request for documentation in addition to any document charge.

$0.00 - $20.00 each*

Certified Mailing Fee

Fee charged to a borrower for a certified mailing.

$0.00 - $7.30*

Online Security

PHH Mortgage has language access services available. This includes customer service options to speak with someone in a language other than English and the ability to obtain a verbal translation of any correspondence.

For New York City consumers, 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.

1.
If you are not satisfied with any aspect of the servicing of your account, please contact our Customer Service Department at (800) 210-8849.
2.
If you remain unsatisfied with your response from our Customer Service Department, please contact an escalation specialist at (855) 703-3662. Our escalation specialists are available from 8:30 a.m. to 5 p.m. (ET).
3.
We will provide you with a substantive response generally within 30 calendar days of receipt. If we require more than 30 days to provide a substantive response to you, we will so advise you within 30 days of receipt.

What you need to provide:

need to provide next icon 1
Your name, mortgage loan account number, and property address
need to provide next icon 2
A daytime telephone number or email address where we can contact you
need to provide next icon 3
A clear description of your concern or problem

New York Property Owners - Customers may file complaints about their Servicer with the New York State Department of Financial Services. Customers may also obtain further information from the New York State Department of Financial Services by calling the Department's Consumer Assistance Unit at +1 (800)342-3736 or by visiting the Department's website at www.dfs.ny.gov/. PHH is exempt from registration with the Superintendent.

If you wish to request information or assert an error relating to the servicing of your mortgage loan, including any Qualified Written Requests, you must use the address below and include your name, your mortgage loan account number, property address and a statement of either the information you are requesting or the error you believe has occurred:

Customer Service

P.O. Box 66002
Lawrenceville, NJ 08648

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800-210-8849

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