Assistance for Onity Group & PHH Mortgage Homeowners

Is your mortgage serviced by Onity Group (formerly Ocwen or PHH Mortgage)? If you are behind on payments or facing foreclosure, you are likely navigating a complex web of name changes, portal updates, and confusing paperwork. You do not have to fight this alone.

Since 1997, United Capital Mortgage Assistance (UCMA) has successfully negotiated thousands of loan modifications. We know exactly how Onity’s loss mitigation department operates, the specific documents they require, and how to escalate your case when the “runaround” begins.

Got 15 minutes? Get a Free Expert Analysis — Call 1-800-474-1407 or Request a Callback and we will reach out to you.

Why Trust UCMA with Your Onity Mortgage?

Onity is one of the largest lenders in the country, and their loss mitigation process can be complex. Homeowners often report sending documents repeatedly only to be told they were never received.

• UCMA changes the dynamic. We do not just send paperwork; we advocate for you.
• 25+ Years of Experience: We have successfully negotiated loan modifications nationwide since 1997.
• We Stop the Runaround: A common complaint with Onity/PHH is “lost documents.” UCMA’s dedicated processors ensure your package is complete, compliant, and tracked every step of the way.
• Foreclosure Prevention Experts: If a complete modification package is submitted to Freedom Mortgage’s loss mitigation department more than 37 days prior to a sale date, we’re able to get those sale dates postponed. Federal rules generally prohibit them from foreclosing while reviewing your application. 
• UCMA handles 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 giving you consistent updates throughout.

Real Homeowner Success Story: “They got in touch with my lender, played hardball and stopped my foreclosure. I am so grateful for the great people at UCMA. The relentless help was a God send.” — J.C., Wyoming — See more Success Stories Here.

Navigating a loan modification with large servicers like Onity Group can be overwhelming. They have recently rebranded from Ocwen Financial Corporation and PHH Mortgage, which has led to changes in where and how homeowners send documents.

Onity Group (PHH/Ocwen) Contact Information

• To help you get started, we have compiled the most current direct contact information for Onity’s Loss Mitigation department.
• Important Note: Onity Group was formerly known as Ocwen. You may also see the name PHH Mortgage. These entities are part of the same servicing family.
• Loan Modification & Loss Mitigation Departments:
• Loss Mitigation Phone: 1-800-449-8767 (Primary Assistance Line)
• Customer Service / Refinance: 1-877-319-0577

• Direct Fax for Applications (Fastest): 856-917-2848
• Email for Documents: RMA@onitygroup.com
• Mailing Address for Assistance Docs: Onity Group / PHH Mortgage Services Attn: Loss Mitigation Department P.O. Box 24607 West Palm Beach, FL 33416

Who Uses Onity Service?

Onity (and its subsidiary PHH) does not just service their own loans; they handle billing and foreclosure for hundreds of other banks and private investors. We can help you if your loan is owned by:

• PHH Mortgage Corporation
• NewRez (often subserviced)
• Fannie Mae & Freddie Mac (loans serviced by Onity)
• Private Label Securitized Trusts (MBS – Mortgage Backed Securities)

Government & Non-Profit Resources

While UCMA provides professional advocacy and negotiation, we encourage all homeowners to be aware of free government resources available to them.

• HUD-Approved Housing Counselors: Explore additional support options via the Consumer Financial Protection Bureau (CFPB).
• Veterans Affairs (VA): If you have a VA loan, visit VA Housing Assistance.
• Department of Housing and Urban Development: To learn more about federal programs, see HUD

Frequently Asked Questions: Onity Loan Modifications

1. Is Onity Group the same as Ocwen or PHH?

Yes. Ocwen Financial Corporation officially rebranded to Onity Group in 2024. PHH Mortgage is a subsidiary of Onity. If you receive mail from any of these three names, it concerns your same mortgage.

2. Can I stop a foreclosure sale if I have already received a date?

In many cases, yes. Under CFPB “Dual Tracking” rules, a servicer typically cannot foreclose on you while a complete loss mitigation application is under review. UCMA specializes in expediting these applications to stop the clock

3. Why does Onity keep asking for the same documents?

This is a common issue due to the size of their portfolio and document imaging systems. UCMA solves this by maintaining a duplicate file of every page sent and using direct escalation contacts to prove delivery, preventing “lost document” denials.

4. Do I need a lawyer to get a loan modification?

No, you do not effectively need an attorney, who charges attorney fees to apply for a modification, though some choose to hire one. UCMA is a mortgage assistance company, not a law firm. We use our 25+ years of underwriting and negotiation experience to work directly with the lender on your financial numbers.

Don’t Wait Until It’s Too Late.

The earlier you address a missed payment, the more options you have. Let UCMA handle the stress, the paperwork, and the phone calls.

Call 1-800-474-1407 Click Contact UCMA or Apply Online —  Trusted by Thousands Since 1997.