Ocwen & PHH Mortgage Loan Modification Assistance

Trusted Loan Modification Specialists Helping Homeowners Stop Foreclosure for Over 25 Years

If Ocwen Loan Servicing or PHH Loan Services manages your mortgage and you’re struggling to make payments, you still have options. UCMA helps borrowers prepare complete loan modification applications, negotiate with servicers, and pursue loss‑mitigation solutions that bring you current with your mortgage payments and stop foreclosure — (PHH Success Story).

We combine 25+ years of foreclosure prevention experience with hands‑on servicer advocacy so you don’t have to navigate the process alone. UCMA navigates the complex loss mitigation process to keep you in your home. We assist you in accurately filling out and completing all required Ocwen documentation, giving you the best chance for loan modification approval.

Important Update for 2025: If you are looking for Ocwen Loan Servicing, please note that Ocwen has effectively rebranded and merged operations under PHH Mortgage and the Onity Group. If your mortgage statement now says “Ocwen,” you are in the right place. We help homeowners navigate the complex modification process with these specific servicers.

To Don’t Have To Do This Alone: To Get Your Free Confidential Action Plan

Click Contact UCMA and we’ll reach out to you or  Call 1-800-474-1407 today for your Free No-Obligation Consultation.

Why Choose UCMA to Handle Your Ocwen PHH Loan Modification?

Experience Matters. Foreclosure prevention is not a side service for us; it is all we do. For over two decades, we have developed a deep understanding of the internal guidelines used by major lenders like Ocwen, for FHA, VA, Fannie Mae, and Freddie Mac loans.

• 25+ Years of Success: We have been saving homes since 1997.
• High Success Rate: For qualified homeowners who complete our program.
• We Are Not A Law Firm: We are expert consultants who focus strictly on the financial negotiation and underwriting aspect of your loan, which is often faster and more affordable than litigation.
• We handle the entire application process for you: From beginning to end, ensuring every detail is accurate to maximize your chances of stopping foreclosure and keeping your family in your home, while consistently giving you updates throughout the foreclosure prevention process.
• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.

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Real People Real Solutions

“We tried to do this ourselves but it did not work. You said you could help us avoid foreclosure and you did. I was a little leery, but not any more. You are amazing, thank you for all your help!” – R.D. & W.D. – Washington DC — See more Success Stories Here. 

Have Questions?

Get all your questions answered  Call 1-800-474-1407 today for your Free No-Obligation Consultation.

Our Proven Loan Modification Foreclosure Prevention Process

• Step 1: Free Eligibility Review We analyze your financial hardship, evaluate your loan type (FHA, VA, Fannie Mae, Freddie Mac, Conventional), and determine your best home retention options.
• Step 2: Strategic Document Preparation Missing paperwork is the #1 reason lenders deny modifications. We prepare a flawless, comprehensive package that meets your specific servicer’s strict debt-to-income (DTI) guidelines.
• Step 3: Aggressive Lender Negotiation We submit your file urgently to trigger “Dual Tracking” protections—which legally prevents your lender from foreclosing while your complete modification application is under review.
• Step 4: Long-Term Mortgage Relief Whether it is an interest rate reduction, a term extension (up to 40 years), or a principal deferment, we fight for terms you can actually afford.

Common Hardships Ocwen Accepts

Ocwen considers modifications for documented hardships such as job loss, reduced income, medical expenses, divorce, death of a household earner, or other verified financial setbacks. Even temporary setbacks can qualify if you provide clear documentation and a realistic repayment plan.

“People Also Ask” 

Is Ocwen the same as PHH Mortgage? Yes, for most borrowers. Ocwen purchased PHH Corporation and subsequently moved its loan servicing under the PHH Mortgage brand. The parent company recently rebranded to Onity Group in 2024.

Why did Ocwen/PHH deny my loan modification? Denial is common, but it is often not the final word. Common reasons include:

1. “Incomplete Application”: You sent the documents, but they claim they never received page 4 of your bank statement.
2. “NPV Negative”: The lender’s “Net Present Value” test claims they make more money foreclosing than modifying your loan.
3. Surplus/Deficit Income: You either showed too much income (meaning you can afford the arrears) or too little (meaning you can’t afford the new payment).

Solution: UCMA navigates the complex loss mitigation process to keep you in your home. We assist you in accurately completing all required Ocwen/PHH Mortgage documentation, giving you the best chance for loan modification approval.

What is a “Trial Payment Plan” (TPP)? A Trial Payment Plan is typically the first step in a permanent loan modification. Ocwen / PHH may offer you a 3-month trial period where you make a new, often lower, mortgage payment.

• Why it matters: You must make these payments on time and in the exact amount specified. If you successfully complete the trial period, the bank will typically permanently modify your loan terms.
• UCMA Tip: Never miss a trial payment. It is your probation period to prove you can afford the home.

 Can I stop a foreclosure auction date scheduled by Ocwen/PHH? It is often possible to pause foreclosure proceedings if a complete loan modification application is submitted and accepted for review a specific number of days before the sale (typically 37 days under CFPB rules, though state laws vary). Immediate action is required.

Ready to Take Action? 

For Your FREE Consultation Call 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.

Ocwen/PHH & Government Resources

We believe in transparency. You should verify your options with Ocwen / PHH and your rights through official government channels.

• Ocwen/PHH Official Contact: Ocwen / PHH Mortgage Customer Service.
• PHH Loss Mitigation Phone: 1-800-449-8767 (answers as PHH Mortgage Services)
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• CFPB (Consumer Financial Protection Bureau): Learn about mortgage help and your rights.
• HUD (Dept. of Housing and Urban Development): Find a HUD-approved housing counselor.

UCMA has helped homeowners nationwide stay in their homes since 1997.

Our reputation for honest service, expertise and successful outcomes makes us the go-to choice for your loan modification help.