Stop PHH Mortgage Foreclosure & Save Your Home Modification

You Are More Than a Loan Number. We Have Been Fighting for Homeowners Since 1997.

Are you struggling to get a straight answer from PHH Mortgage? Whether your loan was recently transferred to them, or you are stuck in their automated phone system, the clock is ticking on your home.

United Capital Mortgage Assistance (UCMA) has over 25 years of experience successfully negotiating with PHH (and their parent company, Onity Group/Ocwen). We know their internal escalation paths, we know their delay tactics, and most importantly, we know how to stop them from taking your home.

Call 1-800-474-1407 For Your Free Consultation — Contact UCMA or Apply Online Here

Why Trust UCMA with Your PHH Mortgage?

PHH Mortgage acts as a servicer for hundreds of thousands of loans. When you call them, you are often speaking to a call center agent reading a script, not a

We change the dynamic. Since 1997, UCMA has been the homeowner’s advocate. We don’t just “submit papers”—we force the lender to review your file correctly under federal guidelines.

• 25+ Years of Proven Results: We have lived through every market cycle and foreclosure crisis since the late 90s.
• Servicer Specific Knowledge: PHH often requires very specific documentation formats. We ensure your package is perfect before it goes to their fax machine, preventing the “missing document” loop.
• Foreclosure Defense: We specialize in stopping sale dates. If you have a foreclosure auction scheduled, you need immediate intervention.

Actual Client Testimonial: “I was terrified I would lose my house. The lender kept telling me they didn’t get my paperwork. UCMA stepped in, handled everything, and got my modification approved. I can finally sleep at night.” — S.J. – Satisfied UCMA Client

PHH Mortgage Loss Mitigation Resources

If you wish to contact PHH directly, use the verified information below. Warning: Document everything. If you choose to hire UCMA, we will handle all these communications for you to ensure nothing is lost.

• Loss Mitigation / Assistance Phone: 1-800-449-8767 (Mon-Fri 8am-9pm ET)
• Customer Service Phone: 1-877-319-0577
• Fax for Mortgage Assistance: 856-917-2848
• Mailing Address (Mortgage Assistance): PHH Mortgage Services Attn: Mortgage Assistance P.O. Box 24737 West Palm Beach, FL 33416-4737
• Borrower Portal: PHH Mortgage Account Login

Free Government Resources

UCMA believes in empowering homeowners. If you are not ready for professional representation, you can seek assistance through these government agencies:

• Consumer Financial Protection Bureau (CFPB): Mortgage Help
• S. Dept. of Housing and Urban Development (HUD): Talk to a Housing Counselor
  • Free counseling services are available for basic guidance.

Frequently Asked Questions: PHH Mortgage

Q: My loan was just transferred to PHH. Can I still get a modification? A: Yes. When a loan is transferred, the new servicer (PHH) must honor any permanent modification plans already in place. If you were in the middle of applying, you may need to resubmit forms to PHH immediately. We can help ensure this transition is seamless.

Q: PHH asked for the same document three times. Is this normal? A: Unfortunately, this is a common stall tactic or administrative error in large servicing centers. At UCMA, we submit full, audit-ready packages via confirmed channels (fax/certified mail) so they cannot claim “non-receipt.”

Q: Does PHH offer a “Flex Modification”? A: PHH services many loans backed by Fannie Mae, Freddie Mac, and FHA. Depending on your investor, you may qualify for a Flex Modification which targets a 20% payment reduction. We can analyze your loan type to tell you exactly what programs you qualify for.

Stop the Runaround. Save Your Home.

Get the 25+ years of experience you deserve.

Click to Contact UCMA Call Toll-Free: 1-800-474-1407