Update: PHH Mortgage Payment – 2020.12.24

PHH Mortgage is a non-bank mortgage services company that provides rate-and-term refinancing as well as cash-out refinancing. It is also a division of Ocwen Financial Corp.

What follows is a look at the various mortgage payment options offered by PHH. This will help you to decide which ones work best for your situation.

Before you explore the existing options to pay your PHH Mortgage, find out your monthly payment. These free online calculators can be of help:

Enroll for PHH Mortgage Account for Online Bill Payment

  • Go to the PHH Mortgage Website and click on the “Mortgage Center Login” button that is located in the upper right section of the screen.
  • From the PHH Mortgage Servicing page, click on the “Register Now” button that is located close to the middle of the screen.
  • You will end up on the PHH Mortgage Questions login screen. Select the “Register Your Account” link that is located beneath the login box.
  • Type in your last name, social security number, and zip code. After doing so, click on “Next”.
  • Establish a login and password. You’ll also need to provide any other requested information.

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Sign into Your Account to Make PHH Mortgage Payment Online

  • Go to the PHH Mortgage Servicing page and access the “Register Now” button. Otherwise, find the line titled “Already set up your new username and password?” that is located beneath the “Register Now” button. Click on “Sign In”.
  • Key in your login and password information on the online account login screen.
  • Optional: You can also checkmark the box next to “Remember my username”.
  • Checkmark the box next to “I agree to the user terms and privacy policy”.
  • Select “Log In”.
  • Go to the mortgage payment section after you’ve been logged in.
  • Type in the payment total and the payment date.
  • Enter your banking information for the account where the payment will be taken from.
  • Review the information you’ve typed in, submit your payment, and confirm the transaction.

If you want to simplify the monthly mortgage loan payment process, you can sign up for AutoPay. This will ensure the amount owing is automatically withdrawn from the account you specify each month.

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Use Mobile App to Pay PHH Mortgage

You also have the option to use the PHH Mortgage mobile app to make payments. You’ll need to sign up for AutoPay. Here are links to the apps:

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Other Options for PHH Mortgage Payment 

Via Phone

Dial 1-877-729-3273 if you wish to make a mortgage payment by phone. Make sure you have your loan number and other details to complete the transaction. 

Via Mail

You can also send in your payment to the following addresses:

Mortgage Accounts
PHH Mortgage Services
P.O. Box 94087
Palatine, IL 60094-4087

HELOC Accounts
PHH Mortgage Services
P.O. Box 0055
Palatine, IL 60055-0055

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PHH Mortgage Q&A

I don’t remember my username. What should I do?

Go to the login screen for your online account and select “Forgot Username” beneath the login box. Type in your SSN and email address, and then tap on “Recover”. Follow the instructions to recover your username.

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I’ve forgotten my password. How can I retrieve it or select a new one?

From the login screen for your account, choose “Forgot Password” beneath the login box. Key in your username, SSN, and email address. Choose “Recover” and follow the instructions.

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I’d like to get an appraisal. How do I do this?

After applying for a mortgage, the lender will arrange for an appraisal for the residence or property you potentially wish to purchase. You need to designate a point of contact, such as your realtor, to provide the appraiser with access to the residence or property. The appraiser will, upon arriving at the scheduled period, conduct an appraisal. They will assess the structure, plumbing, wiring, and more. Then they will send their assessment to your lender.

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How much of a down payment do I require?

The minimum amount required is dependent upon whichever mortgage program you’re eligible for. Usually, a minimum of 3.5% of the sale price is needed to obtain a Federal Housing Administration or a Veterans Affairs mortgage. If your down payment is south of 20% on a conventional loan, you might require private mortgage insurance.

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After my rate is locked in, can it be changed if interest rates dip?

Once your rate is locked in for a specified period of time, it cannot be changed within that specified period of time.

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PHH Mortgage Customer Service

General Inquiries: 1-800-449-8767 (Monday through Friday, 9 a.m. to 8 p.m. ET).

Loan Consultant: (800) 210-8849

General Mail:
PHH Mortgage Services
P.O. Box 5452
Mount Laurel, NJ 08054-5452

Notices of Error:
PHH Mortgage Services
P.O. Box 66002
Lawrenceville, NJ 08648

Email: [email protected]

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What to Do if I Made a Late PHH Mortgage Payment

It’s a good idea to avoid a late PHH Mortgage payment at all costs, but mistakes sometimes happen. While you don’t want to be too hard on yourself if this happens, you need to consider possible consequences. Case in point: you could see your credit score take a hit if you don’t make payments on schedule. Also keep in mind that a late PHH Mortgage payment may remain on your credit report for as many as seven years, which would adversely impact your credit score. What follows is a look at 3 proven strategies you can use to have late mortgage payment information scrubbed from your credit report.

Option #1: Contact PHH Mortgage and Make Request

Reach out to your lender by phone right away, and acknowledge that your payment was submitted past the deadline. It’s important to admit you were in error. Let them know when they can expect payment. They may be willing to delete your late payment data so that your creditworthiness doesn’t suffer.

Option #2: Write Them a Letter

The next option at your disposal is to write a letter, known as a goodwill letter, to PHH Mortgage. In the letter, you’ll want to specifically and respectfully request a removal. Do these 2 things in the letter:

  1. Demonstrate that you accept that the situation was caused by you.
  2. Guarantee that there will be no repeat of the delinquent behavior going forward.

What follows is a sample letter template you can use as inspiration:

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[Your first and last name] [your address] [your account number]


To Whom It May Concern:

I appreciate your taking the time to read my letter. The reason for this correspondence is that I found on my latest credit report a late payment listed on [date] for my [name of account] account. I’m aware of the importance of making timely payments and meeting my financial commitments. But due to [situation that led to the missed payment], I unintentionally missed the payment due date. Although I missed the deadline, I have since then taken measures to ensure this does not happen again. Specifically, I’ve [explain what has changed that will prevent any additional late payments]. Since my missed payment, I have had a flawless record of making payments on time.

One reason I’m making this request is that my intention is to apply for a [loan, credit card, etc], and I’ve come to understand that the missed payment reflected on my credit report could jeopardize my objective. Given the fact that my single late payment does not adequately reflect my creditworthiness and intention to abide by my financial obligations, I would be grateful if you would make a goodwill adjustment. This would delete my late payment on [date] and enable me to obtain a [loan, credit card, etc.) and to secure a better rate.

I appreciate your considering this matter, and I hope you will grant my request.

Best regards,

[your name]

Option #3: Make Them an Offer

Another option is to contact PHH Mortgage and make them an offer they can’t refuse. Lenders prefer to have people opt for automatic payments – so that payments are made on time, all the time. If you’re willing to sign up, the lender might be persuaded to scrub the late payment from your credit report as a goodwill gesture. The lender may, if you do not wish to sign on for automatic payments, recommend another way for you to potentially get your late payment erased from your credit report.

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How to Avoid Late PHH Mortgage Payments

When you do get approved for a PHH Mortgage loan, you’ll want to avoid any late payments. Here are a few tips that will help you steer clear of making untimely payments.

Tip #1: Sign Up for Auto-Pay

Your first order of business is to set up an automatic payment option, and you can do this either through your bank or through your lender. You’ll want to go with the most ideal option for you.

Auto-Pay – the Pros

  1. You can avoid late payments and any resulting late fees. This will, in turn, ensure a healthy credit score.
  2. You can do your part to protect the environment with paperless billing.
  3. You won’t have to deal with any expenses relating to postage as you won’t need an envelope or a stamp, and you won’t have to fill out a check since auto-pay is done via electronic funds transfer.
  4. You will save time since auto-pay is convenient. No more will you have to take the time to sit down, write up a check, write your address and the address of the mortgage lender on the envelope, put on a stamp, and put the envelope in the mail. With auto-pay, you can automate the entire process of paying bills.

Auto-Pay – the Negatives

  1. You could, if you’re not monitoring the inflows and outflows of money in your bank account, overdraw your account. In order to avoid any problems, just keep track of how much you have in your account at all times.
  2. You could potentially overlook things like errors, interest rate hikes, or other hidden fees. This can be avoided by simply making it a habit to go over your bill.
  3. You could fail to stay on top of things such as the amount owing or the amount you’re paying monthly. As has been mentioned, you can steer clear of such problems by checking into your account regularly. This will help you to know when it might be a good idea to made additional payments to reduce the principal quicker.

Tip #2: Sign Up for Alerts and Reminders

Receiving a notification for an upcoming bill payment can make all the difference. You can get this by using an app, by getting your mortgage company to send an alert or reminder by email, or even by using Google calendar. You’ll be able to avoid late payments by doing so.

Tip #3: Set Up a Bill Pay Day

Another option is to purposefully schedule a period of the month when you can commit to making bill payments. When you go this route and have a system in place, you will avoid late PHH Mortgage payments.