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. 

We combine 25+ years of foreclosure prevention experience with hands‑on servicer advocacy so you don’t have to navigate the process alone. UCMA helps you navigate the complex loss mitigation process to keep you in your home. We assist you in accurately 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 Discuss Your Free Confidential Foreclosure Prevention Action Plan

Please Call 1-800-474-1407 or Click Contact UCMA (name, phone and email address) or Apply Online and we’ll reach out to you within hours or the next business day.

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.

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.

Real People Real Solutions

“Amazing! My family is so grateful to Mr. Farr and his team! After over 9 years fighting for to save our home Mr. Farr was able to do what no one else had and get us a modification. Everyone deserves shelter through prayer and grace we were led to Mr. Farr and thank him tremendously. If you need help he is to be trusted to to fight with you. He is the real deal. Thank You Mr. Farr!!” – Marie H. – Spring, TX —See more Success Stories Here. 

Have Questions or Been Denied?

Call 1-800-474-1407 or Click Contact UCMA (name, phone and email address) or Apply Online and we’ll call you within hours.

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)
• 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.

UCMA has helped homeowners nationwide stay in their homes. Our reputation for honest service, expertise, and successful outcomes makes us the go-to choice for your loan modification help.