Where to send your PHH mortgage payment

PHH Mortgage is a loan servicer — the company that collects your monthly payment, manages your escrow account, and handles customer service. If PHH services your loan, you can make payments through their website, by phone, by mail, or through automatic bank transfers.

The fastest route is PHH's online portal at phhmortgage.com. You'll log in with your loan number and create a username and password if you haven't already. From there you can make a one-time payment, set up automatic payments, or view your payment history and account balance. Phone payments go through their automated system at 1-800-788-7000, or you can speak to a representative during business hours.

If you prefer to mail a check, the payment address appears on your monthly statement. Mail payments take longer to post — typically five to seven business days — so send them early if you're close to your due date. Some borrowers set up automatic bank transfers (ACH) through their own bank's bill pay system, which also takes several days to process.

Key Takeaways

  • PHH's online portal at phhmortgage.com is the fastest way to make a payment and see your account balance in real time.
  • Payments made by phone, mail, or automatic transfer take longer to post than online payments, so account for processing time before your due date.
  • Your monthly statement shows the mailing address and your loan number, both required for mail or phone payments.
  • Late fees typically begin 15 days after your due date, so contact PHH immediately if you cannot pay on time.

Understanding your PHH payment due date and grace period

Your payment is due on the same day each month — usually the first or the 15th, depending on your loan terms. PHH gives you a grace period of 15 days after the due date before they charge a late fee. This does not mean you have 15 extra days to pay; it means you can pay up to 15 days late without penalty.

The due date and grace period appear on your statement and in your online account. If your due date falls on a weekend or holiday, PHH typically accepts the payment on the next business day without penalty. However, do not rely on this — contact them directly if you're unsure whether a particular date will be treated as on-time.

What happens if you miss a PHH payment

If your payment is 15 or more days late, PHH will charge a late fee. The amount depends on your loan terms but is typically 4 to 5 percent of your monthly payment. A single late payment also appears on your credit report and can lower your credit score by 100 points or more.

If you miss a payment, contact PHH as soon as possible. Explain your situation and ask whether they offer a forbearance plan — a temporary reduction or pause in payments while you get back on track. Forbearance is not forgiveness; you'll still owe the full amount, but it buys you time. The sooner you reach out, the more options PHH can offer.

After 120 days of missed payments, your loan enters default and PHH can begin foreclosure proceedings. At that point, your options narrow significantly. Reaching out before you fall 30 days behind gives you the best chance of working out a solution.

Setting up automatic payments with PHH

Automatic payments remove the risk of forgetting a due date and can save you money if PHH offers a rate discount for autopay enrollment. Log into your PHH account online, go to the payment settings section, and select the option to set up recurring payments. You'll provide your bank account information and choose whether payments should come out on your due date or a few days before.

You can change or cancel automatic payments at any time through your online account. If you need to stop a payment before it processes, contact PHH by phone at least three business days before the scheduled date. Automatic payments typically post within one to two business days of the deduction from your bank account.

Paying extra toward principal

If you want to pay down your loan faster and save on interest, you can send extra money to PHH and specify that it go toward principal rather than future payments. Make this request clear in writing — either in a note with a mailed check or in a message through your online account. Without this instruction, PHH may apply extra money to your next month's payment instead.

Paying extra does not change your required monthly payment or due date. You still owe the full amount each month; the extra simply reduces the balance and shortens the life of the loan. Over the course of a 30-year mortgage, even small extra payments can save tens of thousands in interest.

Escrow payments and property taxes

Your PHH payment likely includes an escrow portion — money set aside to pay your property taxes and homeowners insurance on your behalf. PHH collects this money each month, holds it in an escrow account, and pays these bills when they come due. Your statement breaks down the principal, interest, and escrow portions separately.

Once a year, usually in the spring, PHH conducts an escrow analysis to make sure they're collecting enough to cover the next year's taxes and insurance. If your property taxes or insurance premiums increase, your monthly payment may go up. If they decrease, your payment may go down. PHH will notify you of any change and explain the reason.

Frequently Asked Questions

Can I pay my PHH mortgage early without a penalty?

Most PHH mortgages allow early payment without penalty, but some older loans or specific loan types may have prepayment clauses. Check your loan documents or ask PHH directly. If there's no prepayment penalty, you can pay extra at any time.

What if I want to change my payment due date?

Contact PHH to request a due date change. They can usually move your due date to a different day of the month, though the change may take one or two billing cycles to take effect. Ask whether the change affects your payment amount or escrow calculation.

Does PHH accept payments through third-party apps like Venmo or PayPal?

No. PHH only accepts payments through their official website, phone line, mail, or your bank's bill pay system. Do not send payment through any other method, as it may not reach your account and could be treated as late.

What if I'm having trouble logging into my PHH account?

Call PHH at 1-800-788-7000 to reset your password or troubleshoot login issues. Have your loan number and Social Security number ready. A representative can also help you set up online access if you haven't done so yet.

Can PHH take my payment directly from my paycheck?

PHH does not deduct payments directly from your employer's payroll. You can set up automatic bank transfers (ACH) from your checking or savings account, which is the closest option. This requires you to provide your bank account information to PHH.