Homeowners' Assistance

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Homeowner's Assistance

PHH is The Leader in Loss Mitigation!®. If you are having trouble making your monthly mortgage payment, we can help.

To Apply for Assistance: 
​If you've experienced a financial hardship resulting from COVID-19 or any other reason, download the Loss Mitigation Information Packet to start the process or contact us at 1-866-799-7724 if you have any questions or need additional assistance.
There are options available that may allow you to keep your house by making your payments more affordable.
 
  • Homeowner Assistance Fund - The US Treasury allocated funds to each state, including the District of Columbia and Puerto Rico, to provide financial assistance to homeowners who are struggling to pay their mortgages due to the Covid-19 pandemic.  You may be eligible for financial assistance through this program. For more information on how to apply for these funds, please refer to your state for specific information. PHH Mortgage is committed to working with each state to process these funds. Learn More
     
  • State Assistance Resources - Access information and details on applying for homeowner assistance funds in your state. Learn More
     
  • Repayment Plans - You may have had a short-term hardship that resulted in the inability to make your tax and/or insurance payment. If that hardship is resolved, a repayment plan may be an option for you. We will review your application for homeowners' assistance and determine if this is an affordable option for you. This will allow you to bring your property charge balance current by making monthly installments.
     
  • Natural Disasters - PHH Mortgage Services and its employees are here to help as you recover from the devastation caused by the recent disaster. Learn More
     
  • Pre-Foreclosure Sale - This option allows you to sell your home for fair market value, which may be less than your mortgage debt and avoid foreclosure. You may also qualify for relocation costs. However, there can be negative impacts such as having to move out of the home and possible tax implications.
     
  • Deed-in-Lieu - Another effort to avoid a foreclosure is a Deed in Lieu (DIL).  This is the practice of transferring the property to the lender and being released from the debt. The benefits are you avoid having to sell the home and may even qualify for relocation assistance.  However, there can be negative impacts such as having to move out of the home and possible tax implications.