Ocwen & PHH Mortgage Loan Modification Assistance

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. We combine 25+ years of foreclosure prevention experience with hands‑on servicer advocacy so you don’t have to navigate the process alone.

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 “PHH Mortgage,” you are in the right place. We help homeowners navigate the complex modification process with these specific servicers.

How UCMA Helps Ocwen & PHH Loan Servicing Borrowers

UCMA prepares and submits complete modification packages, helps write hardship letters that meet servicer expectations, gathers required documentation, and communicates directly with Ocwen and PHH to avoid processing delays. We track deadlines, follow up on requests, and escalate issues when needed so your application receives full consideration.

Our Process:

1. Financial Analysis: During our Free Consultation we review your income/ expenses against Ocwen/PHH’s current affordability guidelines.
2. Package Preparation: Upon approval we create your file and send you the exact documents required (RMA, 4506-C, hardships letters, etc.) to prevent “lost document” delays and provide your Loan Modification Package to Ocwen or PHH Mortgage Services forthwith.
3. Negotiation: We act as your advocate to pursue the best terms that keep you in your home and update you throughout the complete foreclosure prevention loan – modification process. 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
• 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.

Note: UCMA is a private assistance firm and is not affiliated with PHH Mortgage, Ocwen, or the government.

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” 

Q: Is Ocwen the same as PHH Mortgage? A: 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.

Q: Can I stop a foreclosure auction date scheduled by PHH/Ocwen? A: 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.

Q: Do I need a third party to get a modification? A: No, you can apply directly with your servicer. However, many homeowners choose professional representation (like UCMA) to navigate the complex application requirements, calculation errors, and communication barriers often associated with large servicers.

Ready to Take Action? For Your FREE Consultation Call: 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.