Where to send your PHH mortgage payment

PHH Mortgage is a loan servicer that collects payments on behalf of the bank or investor who owns your loan. To send a payment, you need to know whether PHH is currently your servicer — mortgage servicing can change when loans are sold, and you should have received a notice if this happened to you.

PHH provides three main payment methods: online through their website, by phone, or by mail. The online portal at phhservicing.com is the fastest route and shows your account balance and payment history when ready. You can set up a one-time payment or enroll in automatic payments from a bank account or debit card.

If you prefer to call, PHH's customer service number appears on your monthly statement. Payment by phone takes a few minutes and the servicer will confirm your payment amount and processing date before you hang up. Mailed payments should be sent to the address listed on your statement, though mail typically takes 7 to 10 business days to reach the servicer and post to your account.

Key Takeaways

  • PHH Mortgage is a servicer that collects payments for the actual loan owner, and you should verify PHH services your loan by checking your most recent statement.
  • Online payments through phhservicing.com are processed fastest and let you see your balance and payment history in real time.
  • Phone payments are confirmed when ready but take longer to post than online payments, and mailed payments can take 7 to 10 business days to appear in your account.
  • Your monthly statement shows the exact payment amount due, the due date, and the mailing address if you choose to pay by mail.
  • Late fees and credit reporting begin after the grace period ends, which is typically 15 days after the due date but varies by loan type.

Setting up automatic payments with PHH

Automatic payments remove the risk of forgetting a due date and can be set up through the PHH online portal or by calling customer service. You provide your bank account or debit card information once, choose the payment amount and date each month, and PHH withdraws the funds automatically.

Most borrowers set the payment date to match their paycheck schedule — for example, the day after payday — so the money is in the account when PHH withdraws it. You can change or cancel automatic payments at any time through your online account or by calling, though you should do this before the withdrawal date if you want to stop an upcoming payment.

Automatic payments do not lock you into a fixed amount. If your payment changes because of a property tax or insurance adjustment, you can update the automatic payment amount in your account settings. PHH will notify you of any payment change before it takes effect.

What happens if your payment is late

Most mortgage loans include a grace period, typically 15 days after the due date, during which you can pay without penalty. After the grace period ends, PHH will charge a late fee, which is usually a percentage of your monthly payment or a flat dollar amount set by your loan documents.

Late payments are reported to credit bureaus after 30 days past due, which can lower your credit score. At 60 days past due, your loan is considered seriously delinquent, and at 120 days past due, PHH may begin foreclosure proceedings. The exact timeline depends on your state and loan type, but the damage to your credit begins at 30 days.

If you know you will miss a payment, contact PHH before the due date. Servicers can sometimes offer a forbearance plan, which temporarily reduces or pauses your payment while you work through a financial hardship. This is not the same as skipping a payment — you will still owe the money, but the timeline may shift.

Understanding your monthly statement

Your PHH mortgage statement breaks down where your payment goes: principal (the amount borrowed), interest (the cost of borrowing), property taxes, homeowners insurance, and mortgage insurance if you have it. The statement also shows your current loan balance, the amount you still owe, and how much principal you have paid off.

The due date on your statement is the last day you can pay without triggering the grace period. Some statements show two dates: the due date and the "payment due by" date, which accounts for mail time. If you are mailing a check, aim to send it at least a week before the due date.

Your statement also lists the mailing address for payments, your account number, and customer service contact information. Keep several months of statements so you have a record of what you paid and when, especially if there is ever a dispute about a payment.

Paying off your mortgage early

You can pay more than your required monthly payment at any time, and the extra amount goes directly to principal, reducing the total interest you will pay over the life of the loan. Some borrowers add $50 or $100 to each payment; others make a lump-sum payment when they receive a bonus or tax refund.

Before you start making extra payments, check your loan documents for a prepayment penalty, which is a fee charged if you pay off the loan too quickly. Prepayment penalties are less common now than they were 15 years ago, but they still exist on some loans, particularly those sold to investors. Your statement or loan documents will say whether you have one.

When you make an extra payment, specify in writing or through the online portal that the money should go to principal, not to next month's payment. If you do not specify, PHH may explore it to your next regular payment instead, which delays the benefit of paying extra.

Changing your payment method or amount

If you enrolled in automatic payments but want to switch to manual payments, or vice versa, you can make the change through your online account or by calling PHH. Changes typically take effect within one to two billing cycles.

Your required monthly payment is set by your loan documents and does not change unless your property taxes, homeowners insurance, or mortgage insurance changes. If one of these costs increases, PHH will adjust your payment and notify you in writing before the new amount takes effect. You have the right to review the calculation and dispute it if you believe it is wrong.

If you have an adjustable-rate mortgage, your interest rate and payment may change on the anniversary of your loan or on the schedule set in your documents. PHH will send you a notice at least 60 days before the rate changes, showing your new payment amount and the reason for the change.

Troubleshooting payment problems

If you made a payment online or by phone but do not see it in your account within two business days, check your bank or card statement to confirm the transaction went through. If PHH charged your account but the payment has not posted, contact customer service with your confirmation number — processing delays happen, especially during high-volume periods.

If you mailed a check and it has been more than 10 business days, call PHH with the check number and amount. The servicer can search for it in their mail processing system. If the check was lost, you may need to stop payment on it through your bank and send a new one.

If you believe PHH applied your payment incorrectly — for example, to the wrong month or in the wrong amount — request a written explanation. Under federal law, servicers must investigate payment disputes within 30 days and send you a written response. Keep records of all payments and correspondence in case you need to prove what you paid.

Frequently Asked Questions

Can I pay my PHH mortgage with a credit card?

PHH does not accept credit card payments directly through their website or phone line. However, you can use a third-party payment processor that accepts credit cards and forwards the money to PHH, though these services typically charge a fee of 2 to 3 percent. Check whether the fee is worth it before using this method.

What if I want to pay twice a month instead of once?

You can make extra payments at any time without penalty, but your required payment is still due on the due date each month. If you want to split your payment into two smaller payments, contact PHH to discuss a biweekly payment plan, which some servicers offer. This can help you pay off the loan faster because you make 26 half-payments per year instead of 12 full payments.

Does PHH charge a fee to set up automatic payments?

No, PHH does not charge a fee for automatic payments. The only cost is the mortgage payment itself. If you use a third-party payment service, that service may charge a fee, but PHH's own portal and phone line are free.

What if my payment bounces because there is not enough money in my account?

PHH will charge a returned payment fee, usually $25 to $35, and the payment will not post to your account. You will still owe the full payment, and the late fee clock starts ticking. Contact PHH when ready to make the payment again and ask whether the returned payment fee can be waived if this is your first time.

Can I change my payment due date?

Some servicers allow you to request a different due date, but PHH's policy varies by loan type. Call customer service to ask whether your loan allows a due date change. If it does, the change usually takes effect within one to two billing cycles and requires written request.