Stop PHH Mortgage Foreclosure – Get the Loan Modification You Deserve.

At United Capital Mortgage Assistance — We’ve 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. (PHH Success Story)

UCMA helps you navigate the complex loss mitigation process to keep you in your home. We assist you in accurately completing all required PHH Mortgage documentation, giving you the best chance for loan modification approval.

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 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 aren’t new to this. For over a quarter-century, we have navigated the changing landscape of mortgage servicing. We know the difference between an FHA, VA, and Conventional modification and how to maximize the benefits of each.
• Deep Knowledge of PHH’s Systems: Every lender operates differently. We know PHH’s specific escalation contacts, their document expiration timelines, and the common administrative errors that cause unrepresented homeowners to get denied.
• A “Stop Foreclosure” Priority: Our primary mission is to halt the foreclosure clock. We work aggressively to ensure your file is reviewed for every available retention option—including interest rate reductions, term extensions (up to 40 years), and possible principal deferment.
• End-to-End Representation: From the initial free consultation to the final signature on your modification agreement, we take care of all the heavy lifting. No more “lost documents” or confusing bank speak.
• 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.
• No Bankruptcy Required: We focus on practical, non-bankruptcy alternatives to keep you in your home.

Real People. Real Results.

“After dealing with my lender for months, receiving no help and getting the run around; I contacted United Capital Mortgage Assistance. 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.

Have Questions or Have You Been Denied? 

Get Your Questions Answered. Call 1-800-474-1407 or Click Contact UCMA (phone, name and email address) or Apply Online and we’ll get right back with you.

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

Our Proven Loan Modification – Foreclosure Prevention Process

• Step 1: Free Eligibility Review We analyze your financial hardship, evaluate your loan type (FHA, VA, Fannie Mae, Freddie Mac, Conventional), and determine your best home retention options.
• Step 2: Strategic Document Preparation Missing paperwork is the #1 reason lenders deny modifications. We prepare a flawless, comprehensive package that meets your specific servicer’s strict debt-to-income (DTI) guidelines.
• Step 3: Aggressive Lender Negotiation We submit your file urgently to trigger “Dual Tracking” protections—which legally prevents your lender from foreclosing while your complete modification application is under review.
• Step 4: Long-Term Mortgage Relief Whether it is an interest rate reduction, a term extension (up to 40 years), or a principal deferment, we fight for terms you can actually afford.

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
• Dept. of Housing and Urban Development (HUD): Talk to a Housing Counselor
  • Free counseling services are available for basic guidance.
  • Homeowner Assistance Fund (HAF): HAF Program Information

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 — Take Action Now

Get the 25+ years of experience you deserve.

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

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 PHH loan modification help.