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LAST UPDATED: September 22nd, 2022

PHH Mortgage, founded in 1977, provides home purchase and refinance services. With a variety of loan options, homebuyers can choose the best product for their needs, including FHA and VA loan products. With the help of qualified loan officers, PHH Mortgage offers quick pre-approvals and personalized service throughout each step of the mortgage process.

Continue reading to learn more about this lender or jump down to read PHH Mortgage reviews from real customers.

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The Good

  • Variety of Loan Types
  • Investment and Vacation Property Resources
  • Insurance and Warranty Services
  • Homeowners Assistance
  • Nationwide Service

Variety of Loan Types

PHH Mortgage offers a variety of loan types for both home purchase and home refinance.
The following home purchase loan options are available to homebuyers:

  • Conventional Loan
  • Adjustable Rate Mortgage (ARM) Loan
  • FHA Loan
  • VA Loan
  • Jumbo Loan

If you are a homeowner and would like to refinance your current mortgage to lower your monthly payment, reduce your interest rate, or take cash out, PHH Mortgage provides refinancing services to meet your specific needs. If you are interested in refinancing, it is recommended to speak with a PHH Mortgage loan officer to understand what options are available to you.

Investment and Vacation Property Resources

Whether you'd like to buy a property for your seaside getaways or to rent out for a little extra cash, PHH Mortgage provides various resources to help homebuyers navigate the mortgage process, including specific checklists for either purchasing an investment property or a vacation property.

Insurance and Warranty Services

In addition to mortgage loan products, PHH Mortgage offers insurance and home warranty options to homebuyers. The lender offers the following insurance options:

  • First Protector Insurance — Disaster mortgage insurance made available through a PHH Mortgage partnership with Assurant. First Protector can provide financial assistance if you need to leave your home due to damage from disaster such as flood or tornado, or in the case of involuntary job loss.
  • Accidental Death Insurance — Protection up to $500,000 for family members if you are involved in a covered accident, injury, or accidental death.
  • Flood Insurance — Various flood insurance options are available through a PHH Mortgage partnership with Wright National Flood Insurance Company.
  • Identity Fraud Protection — In partnership with Assurant, PHH Mortgage provides services to monitor your credit and assist in identity recovery if you are the victim of identity fraud.
  • Homeowners Insurance — In partnership with Matic, PHH Mortgage helps you save on your homeowners insurance, connecting you with 14 top-tier insurance company options.

PHH Mortgage also offers home security and home warranty options. PHH Mortgage has partnered with Safe Haven Security to provide home security systems through ADT, and has partnered with First American, a top home warranty company, to provide customers with a reliable home warranty option.

Homeowners Assistance

If you are having difficulty making your monthly payment, PHH Mortgage provides options to help you make payments and stay in your home. If you are in need of assistance, you will work with your loan officer to determine the best payment assistance option based on your circumstances.

Nationwide Service

PHH Mortgage products and services are available in all 50 states, including Washington, D.C.


The Bad

  • No Published Rates

No Published Rates

PHH Mortgage doesn't have mortgage rates published on its website. If you'd like to get your personalized rate, you will need to apply for preapproval.


The Bottom Line

PHH Mortgage provides home purchase and refinance services, as well as insurance and warranty options through specialized partnerships. The lender offers a variety of loans including conventional loan, adjustable rate mortgage loan, FHA loan, VA loan, and jumbo loan options.

PHH Mortgage reviews are currently limited so we are unable to give an accurate recommendation of this lender based on customer sentiment at this time.

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Star Rating


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17 Reviews

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Review Source

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Casey Alvarado Bakersfield, CA

Very easy mortgage company to be with. Our loan was transferred to this company and everything happened exactly how they said it would. I easily created my account online and I am able to take care of payments quick and easy. When calling, the hold times are not long and the agent I spoke with was extremely helpful.

2 months ago


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Sathvik Aithala Portland, OR

Great experience with PHH, who purchased my loan from my original provider. Easy to use website and seamless payment structure.

1 month ago


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Yvonne Nguyen Alhambra, CA

I like the Customer Service Representatives, they treat customers kind with respect, they really work with with me on hardship when I got layoff during pandemic, and gave me a forbearance plan so I can get on my feet again.

8 months ago


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Roy Brugman Chandler, AZ

From the beginning of our business relationship the company and their representative established an aura of truthfulness and professionalism. All the numbers quoted were verified to my satisfaction and all the information PHH required to complete the mortgage process were retrieved and used expeditiously. The entire mortgage process went so smoothly that it was concluded in about twenty two days. Excellent company!

1 year ago


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Nancy Denault Eastpointe, MI

Very good company. Easy to work with. Never had a problem with them. They always send us print outs of what we paid and when. They keep us updated.

1 year ago

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Nancy A DeNault Roseville, MI

They just bought my mortgage. They are great never gave me trouble. Great customer service.

2 years ago


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Harlan Harper Warsaw, MO

They have been great and responsive and helpful.

8 months ago

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Robert Hall

Great service, great customer communications.

4 years ago


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wassup network Orlando, FL

Excellent website with high level details.

11 months ago