My mortgage brokers in Utah sold my mortgage to PH...

My mortgage brokers in Utah sold my mortgage to PHH Mortgage sometime ago and i've never really had any problems. The only times that I've had to call them have been when my taxes/insurance have been raised and as a result there's been a reduced amount in my escrow. Call wait times are often quite high however they give you the option to have an automatic call back which works well if you're at home/not busy. Also it didn't surprise me when the person on the other end of the line was not in the USA, most companies offshore operations these days, especially call-center operations so I've ended up having some quite nice conversations with people on the other end of the line. Of course this may change at some point in the future if and when i have a negative experience but for the moment these folks are doing a good job, just keep on top of your mortgage payments, review your insurance and your taxes and you'll be set.