Onity Group Loan Modification Help — Stop Foreclosure and Keep Your Home

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. 

For greater than 25 years, United Capital Mortgage Assistance (UCMA) has successfully negotiated loan modifications nationwide. 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. 

No one will work or fight harder to help you keep your home than UCMA. Guaranteed.

UCMA navigates the complex loss mitigation process to help get that Loan Modification and keep you in your home. We assist you in accurately filling out and completing all required Onity Group documentation, including their financial forms, making sure your package is complete and precise, giving you the best chance for your loan modification approval.

Don’t Have To Do This Alone – Get Your Free, Confidential, No-Obligation Consultation Today!

Talk with the Experts Now  Call 1-800-474-1407 and See How We Can Help or Click Get My Free Consultation or Apply Online and you’ll hear right back from us. 🔒 100% Confidential & Secure. We will never sell your information.

Why Choose UCMA For Your Onity Loan Modification?

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.

• 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.
• 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.
• Direct Lender Access: We bypass general customer service queues and work directly with loss mitigation departments and their superiors.
• Full-Service Representation: From the initial application to your final signature, we handle the document preparation, the phone calls, and the negotiations.
• No Bankruptcy Required: You don’t have to file for bankruptcy to save your home. We provide the expert negotiations needed to reach a sustainable agreement with your lender without bankruptcy.
• Client Communication — Guaranteed Weekly Status Updates: We believe you should never be left wondering about the fate of your home. Unlike the silence you might get from a big bank, we provide consistent, weekly updates to all our clients. You will always know where your file stands and what the next step is.

Real Homeowner Success Story: 

“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.

Get My Free Consultation — Expert Loan Modification Help Since 1997

Have Questions, Have You Been Denied or Received Attorney Letters?

Get your questions answered!  Call 1-800-474-1407 Now or Contact UCMA or Click Apply Online and you’ll hear back from us in hardly no time. 🔒 100% Confidential & Secure. We will never sell your information.

Our Proven 4-Step Onity Loan Modification Process

• Step 1: Deep-Dive Financial Analysis We don’t just look at your income; we conduct a thorough analysis of your financial hardship and loan type to identify the specific Onity modification programs you are eligible for, saving you time and preventing initial denials.
• Step 2: Precision Document Preparation Onity is strict about their paperwork. We meticulously assemble, audit, and format your complete modification package, ensuring it meets all their internal requirements so your file isn’t kicked back for a missing signature or an “expired” document.
• Step 3: Direct Mitigation Submission & Tracking We bypass the general customer service lines and submit your file directly to the appropriate loss mitigation channels. We track every document to ensure Onity acknowledges receipt and begins their review without delay.
• Step 4: Trial Plan Review & Finalization Once Onity offers a Trial Payment Plan (TPP), we review the terms to ensure they are accurate and affordable. We then monitor your progress through the trial period to guarantee your permanent modification is executed smoothly.

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.

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)

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 Now or Contact UCMA or Click Apply Online (all confidential) and you’ll hear back from us within hours —  Trusted by Homeowners Nationwide Since 1997.

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

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

UCMA has helped homeowners nationwide get loan modifications since 1997.

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