Behind on Your Mortgage with PHH Mortgage (Onity, formerly Ocwen) in NJ? Start Here

Who PHH Mortgage (Onity, formerly Ocwen) actually is in your case

PHH Mortgage — part of Onity Group, and the successor to the Ocwen servicing operation — is another specialty servicer with a book weighted toward files that need workouts. Your paperwork may show PHH, Onity, or legacy Ocwen references for the same loan. As with SPS, arriving here usually means an investor routed your loan to an operation built for loss mitigation; the door exists, and the file that walks through it complete is the file that gets answered.

The loss-mitigation door, specifically

The number that reaches PHH Mortgage (Onity, formerly Ocwen)’s hardship operation is 800-449-8767 — verified against the company’s own published assistance pages, and listed with every other servicer’s in our free directory. PHH runs an online assistance path alongside its phone line; if your loan carries legacy Ocwen history, ask for your complete loss-mitigation history in writing.

One application opens every door at once: modification, forbearance, repayment plan, and the exit options (short sale, deed-in-lieu) are all evaluated from the same package. Applying costs nothing, and upfront fees charged by third parties for this exact task are generally illegal.

Your New Jersey rights don’t depend on the servicer

Whoever services the loan, the New Jersey process is the same: a Notice of Intention at least 30 days before any complaint, a 35-day window to answer once you are served, free court mediation for eligible owner-occupants, and a right to cure the default that runs up to entry of final judgment. PHH Mortgage (Onity, formerly Ocwen) cannot shorten any of it, and none of it requires their permission. The court-side clock and the servicer-side application run in parallel — work both.

The free machinery is servicer-independent too: a HUD-approved counselor (800-569-4287) assembles applications for every servicer’s portal, and Legal Services of New Jersey (1-888-576-5529) defends income-qualifying homeowners at no cost.

How to work the file so it moves

Servicer files move on completeness, not sympathy. Send everything the checklist asks for at once; label documents plainly; keep confirmation numbers, upload receipts and the names of people you speak to, with dates. If a complete application is under review, sales are commonly adjourned and dual-tracking rules constrain what can proceed against you — which is exactly why "complete" is the word that matters.

If the file stalls or the answers contradict each other, escalate calmly and in writing: ask for a single point of contact (servicers must designate one), and know that a federal complaint through the CFPB’s consumer portal gets a documented response. None of that requires a paid consultant — and anyone charging an upfront fee to "deal with the servicer" for you is describing something generally illegal under federal and NJ law.