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Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

PHH Mortgage's pay off

Finanso.Multilogin™

Repayment of loan

You can make a one-time payment by calling customer service. You can make a direct payment to them using this website. You can also pay for purchases with a debit or credit card, Apple Pay, or your bank account. They will charge you a late fee of $17.50 each time you do not pay your mortgage following the terms of the agreement, on or before the date that the price is due, and before your grace period ends.

A credit counseling group that is not for business may be able to work with you and your creditors to set up repayment arrangements at a cost that is minimal or even nonexistent in most cases.

Early payoff

Your existing loan can come with penalty fees for making early payments, which would add to the overall cost of your refinancing. To ensure that you are ready for any eventuality, call the company and speak with a loan consultant.

FAQ

What fees does PHH Mortgage have?

PHH Mortgage lender fees are different for each type of loan. There is a possibility that the lender will charge various costs in connection with the servicing of loans; these fees can be located on the lender's website.

Do I need insurance with PHH Mortgage?

Yes. If you have a mortgage loan, you must have enough insurance to cover any damage that could happen to the building. Your mortgage holder can be named a loss payee on your homeowner's policy. PHH must be listed in the section for the loss payee.

Does PHH Mortgage conduct inspections?

PHH Mortgage's policy is only to conduct inspections or secure properties when permitted by the terms of a loan agreement, investor guidelines, or applicable legislation.

Calculate loan payments in PHH Mortgage

PHH Mortgage calculator will allow you to calculate an approximate payment schedule for the loan

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What to focus on before applying for a loan with PHH Mortgage

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between PHH Mortgage and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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