PHH Mortgage is a very dishonest and corrupt organization to deal with. After declining me for a refinance in July of 2010 they told me that I need a loan Modification not a refinance on my loan with them that was at almost 7%. With current rates under 5% I just wanted to get the current market rate on the property. When I contacted the Loan Mod team they said the process would take a couple of months. I submitted my loan modification in August of 2010. After repeated calls they finally confirmed that they had everything in September. I called... read full review »