PHH Home Loans

It is not easy getting your questions answered with this outfit. I have a FHA loan with them. Called up to inquire about removing the PMI from my loan, and they told me they will send me a piece of paper in the mail to fill out, to go ahead with the appraisal. A month later, no such paper arrived. Instead, they sent me a paper stating if I want to remove the PMI I will need to pay over $ 10k.
Called them up to inquire about this, and this time stated that with FHA loans, you cannot get an appraisal to remove the PMI payment, but have to wait until your current loan vs. the original loan gets to 80%. They could have told me this correct information from the first time, instead of having to wait for papers that never arrived.
Also, your calls are directed to a call center in the Philippines, and these guys/​gals are very polite, but they don’t know crap about the resolving your issues.
Short story, if you can avoid this lender all together, you would be doing yourself a favor!

Stay away if you can. I currently have a mortgage serviced by PHH. I had an insurance claim where they were listed on the insurance claim check. Thus began a two and a half month long process that involves daily phone calls, a useless website, lost documentation, and never ending runaround. George Orwell has nothing on these folks. My home damage occurred on August 6^th, 2014. The the first half of the repair work was complete by September 12^th, and I immediately submitted all the paperwork I was told to submit. It is now October 14^th, and I still don’t have my check to pay the contractor. In between, they cancelled my requested inspection, lost paperwork, confirmed they had everything (only to find out days later that they didn’t), and assigned me to an inspection firm that never called me (even though in their «notes» it said they were).
I’m not sure at this point when I’m going to receive my funds and be able to complete my home repairs, hopefully before Thanksgiving. I’ve been living with half a kitchen for two and a half months, and they don’t care. They just want to slow things down as much as possible. Each time they refer me to their tracking website, I just laugh, because it’s woefully incorrect and out of date. I guess they figure I’m locked into this mortgage so they can treat me like dirt. Who cares if I’m a customer. Stay away from this company if at all possible.

Worst experience ever. After 6 yrs I’m not sure who owns the lien on my home? I receive information from PHH Mortgage, The Mortgage Service Center, and Mortgage Questions. When I had refinanced in 2009, they were extremely disorganized and were not customer friendly.
Given everything is completed over the phone, there were long wait times, after you were connected to an operator. Soooo long, I had to hang up after 30 minutes.
I finally was able to refiance, that was after I aksed for the persons name before we began the conversation, and ask to speak to their supervisor once I felt I was given the run-​around.
I’m now attempting to refi again, but not with this business.

Beware or this company! I have never seen such unprofessional business practices! I was strung along for six months before I was informed I would not receive a loan. In addition I was charged almost five hundred dollars that they will not refund. Avoid this company like the plaque!