For everyone looking to refinance their home, DON'T USE PHH Mortgage Services. This company, who was originally affiliated with USAA Federal Services Bank, 'use' to be a great customer-oriented company, first class, who we have had four previous home loans through. The last couple of years they have gotten into the business of 'servicing' a lot of these small pop-up banks and loan companies, including some that have awful reputations and many that are responsible for our current home loan crisis, and now have become... read full review »