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  • Home | PHH Mortgage
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    What law establishes escrow account guidelines? The Real Estate Settlement Procedures Act (RESPA) is a federal law that dictates how lenders establish and maintain escrow accounts Some states also have escrow account regulations for homeowners in the state If your state does not have its own regulations, your escrow account is governed by RESPA
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    If my escrow account has an overage when will I receive the overage check? If the account is current and not in bankruptcy at the time of the analysis and the surplus is less than $49 00, we use the surplus to lower the monthly escrow payment If the surplus is $49 00 or more, we refund the surplus
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    What’s a mortgage transfer? A mortgage transfer means your account is now being managed by a new company In this case, PHH Mortgage is your new mortgage servicer That means we’ll handle everything related to your account – from processing payments to answering your questions and providing support
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