I want to share with you a few facts about PHH Mortgage Services. A year and a half ago, I applied for a loan modification like most of us and the same scenario happened to me. I also asked several times for them to provide the information about who is the owner of the note on my loan. Recently, after correspondences with the Federal Trade Commission, PHH, and the N.J. Attorney General, I got a nice answer from Lori Emdin who is the Presidential Liaison in PHH, stating that the investor on my loan, FANNIE MAE does not allow PHH to offer... read full review »