PHH Mortgage Solutions


PHH Mortgage Solutions

PHH Services mortgages for many companies.

This group is for information, tips and solutions for PHH short sales.

Members: 154
Latest Activity: Aug 7

PHH Mortgage Solutions Short Sale Informationg


 Click the button to hire a Superstar in your area

PHH is the servicer for many mortgages, including Coldwell Banker Mortgage, E*Trade, First Trade Union Bank, Carver Federal Savings Bank, Suburban Bank & Trust , First Tennessee Bank, Bank of the Sierra, Comerica Bank, Citizens Republic Bancorp, UBS, Provident Bank, UMB, Bank Atlantic, Banco Popular, etc.

Loss Mitigation: 1-800-750-2518
Fax 856-917-2935 or 2848
Sneaky Line to plug in extensions if you have them: 1-800-449-8767

Email format: [email protected]
or [email protected]


 Please complete, sign and return the Request for Transcript of Tax Return (IRS Form 4506-T) for each borrower (borrowers who filed their tax returns jointly may send in one IRS Form 4506-T signed and dated by both of the joint filers).

 Please return a signed and dated copy of the most recently filed Federal Tax Return with all accompanying schedules

 Please return a signed and dated Hardship Letter.

 Third Party Authorization Form

 Listing Agreement.

 Anti-Fraud Agreement

 Sales Contract (Electronic Signatures not acceptable)

 Arms Length Affidavit

 HUD1 or Settlement Statement

 Please complete, sign and return the Hardship Affidavit and Financial Form OR Request for Modification (RMA) OR Uniform Borrower Assistance Form (UBAF).(Check Vacate Property)

 Please return Last 2 months bank statements for any and all checking, savings, money market and or brokerage accounts held in borrowers’ names.

 Please return a completed, signed and dated Financial Worksheet.

 Proof of Income (Most recent Quarterly Profit and Loss, Last 2 paystubs showing year to date earnings, Social Security, or Unemployment Benefits Statement showing amount and frequency of payments)


 Fax at 856-917-2848

 Mail at Mortgage Service Center, PO Box 1945, Bowie, MD 20717

 E-mail at [email protected]


PHH Short Sale Package May 2013

PHH Private Label and HELOC Package May 2013

PHH Financial Worksheet

PHH Arms Length Affadavit

PHH Anti-Fraud Document


To get the latest short sale package from PHH mortgage, your customer needs to establish an account online.  Go to:   This is where you create the account.  (It will require name, SSN, loan #, birthday, email, password, and three security questions, such as elementary school, pet's name, highway closest to your house, street you grew up on, etc.)  Once this is established, it has his or her account information and you can print out the short sale package.  I had to print it out and then scan it in -- couldn't seem to save it directly from the site.  An alternative to faxing in the package is to email it to: [email protected]  .


Discussion Forum

3-28-2016 UPDATE - PHH lack of communication

Started by Thom Colby CA Brkr 888-391-5245. Last reply by Thom Colby CA Brkr 888-391-5245 May 14, 2015. 3 Replies

UPDATEWell, this one FINALLY closed - WooHoo ! Here are the final stats:600 Days on Market4 offers - all rejected for being too low but finally convinced lender to accept after1 complaint filed with…Continue

PHH Value dispute

Started by Kimberly S. Ruley. Last reply by Thom Colby CA Brkr 888-391-5245 Jan 22, 2015. 1 Reply

Good morning! I have a short sale with PHH that I can't seem to get done. We've had 2 offers. One was low and one was reasonable. They will not budge off of their value. There have been value…Continue

PHH forecloses on Disabled Person

Started by Dean E Eshelman, CPA, CDPE, IRES Nov 6, 2014. 0 Replies

Person became disabled. Finally got SS Disability in Nov. No we won't negotiate, No we won't modify.  Only option DIL or Short Sale. Filed for foreclosure and sent DIL papers a week later with a 15…Continue

Tags: #FannieMae, #HSBC, #PHH

PHH/Fannie Mae - Counter & Promissory Note???

Started by cat Jul 15, 2014. 0 Replies

Hi All -I have a shortsale listing and the servicer is PHH, but it is a Fannie Mae loan. We originally listed property in February-2014 for $129,900 (seller would not be short if we sold for this…Continue

Comment Wall


You need to be a member of PHH Mortgage Solutions to add comments!

Comment by Connie Whitfield on May 14, 2012 at 3:42am

Nate, Yes.  Received approval letter on May 7 for a $115k short sale with $6900 brokerage fee.  Another company had the selling side, though, so I'll split it with them. Very straightforward. 


Comment by Nate on May 13, 2012 at 7:54pm

Anybody recently get an approval letter from PHH with 6% commission?  they just sent me one with 5% and I am about to fight it, so curious if they budge or not

Comment by Connie Whitfield on May 8, 2012 at 4:19am

Just received approval letter from PHH for our contract of Feb 22.  Very straightforward.  No problems.  The sellers were not behind on their payments.  This one did not go through Cartus.  It was a VA loan and PHH did authorize the $1500 relocation fee as well. Will post details after we close.


Comment by Gail Van Luit on April 16, 2012 at 2:12pm

I'm doing my first PHH short sale.  Thank you for all of the information.  Does anyone know whether PHH will consider a short sale if the borrower/owner is current on their mortgage payments?  Thank you in advance.


Comment by Sue on April 11, 2012 at 1:38am

The loan was given to Cartus this week and BPO ordered. How long did it take after that point?

Comment by Sue on April 1, 2012 at 7:33am

Hi, Does anybody have any info on how long it took to get a short sale approval from PHH recently? We put an offer on a short sale with PHH & the short sale package was accepted February 14th. They haven't called the seller's realtor to schedule a BPO yet. I'm in Illinois, so short sale lenders are supposed to respond within 90 days b/c of a new law, but there's no penalty if they don't respond so I doubt they pay any attention to it. =(

Comment by Paola Martinsen on February 15, 2012 at 9:42am

Im trying to figure out all possible email formats [email protected] and [email protected]? Has anyone dealt with a negotiator or a processor with PHH Mortgage with a different email address??

Comment by Ernest & Debra Carter on January 16, 2012 at 5:13pm

Does anyone have any advise on how to get Green Tree to accept less than 5% of the purchase price. Are there exceptions to the rule? We are offering $21,900 in lieu of $30,000. Basically buyer gave up their closing costs and the first is giving $3,000. I would appreciate any suggestions. Thanks.

Comment by Ernest & Debra Carter on January 16, 2012 at 5:10pm

Finally got the approval from PHH Mortgage. The file was submitted to them on 9/27/11. We received the aproval on 12/3/12. The folks in customer service are the gate keepers. Very nice but have no authority. Until the file gets released to a Negotiator there is not a whole lot I was able to do. The file was in 'staging' for over 3 months. I did escalate and that helped some. Once it gets to the Negotiator things happend pretty fast. This is what documentation they requested:

Short sale package must include: Financial worksheet, detailed hardship letter, 2 current pay stubs or letter of unemployment, one current bank statement within the last 75 days. Listing Agreement. Good Luck!

Comment by Paola Martinsen on January 16, 2012 at 4:26pm

Hi--does anyone know if they have any bank specific forms for a short sale?Of if the generic ones will do?


Members (154)



© 2019   Created by Brett Goldsmith.   Powered by

Badges  |  Report an Issue  |  Terms of Service

********************************** like buttons ************************