If i could give this company 0 stars i would. They...

If i could give this company 0 stars i would. They are the absolute worst mortgage company to deal with and essentially are just a debt collector and have no morales or care what so ever about their customers or consumers. They have screwed us in more ways than one and have made our first home owning experience terrible!! We originally got switched to Ocwen mortgage within our first 3 months of owning our house, Ocwen essentially screwed our escrow and ended up putting us into an escrow shortage, within our first year in our house. So Ocwen sent us to PHH which is their sister company and they are equally as terrible as Ocwen. Trying to get ahold of someone who knows what they are talking about in this company is IMPOSSIBLE. Every single employee gives you the run around or says they don t know and have to transfer you. They are extremely difficult to deal with and will send you letters stating one thing and then when you talk to them on the phone they tell you a completely different thing. During this pandemic it has been equally terrifying to have them as a mortgage company bc they aren t very willing to work with you as the consumer and also are not following HUD or FHA guidelines pertaining to this pandemic even though it s government mandated. They like to make up their own rules when it comes to things and give you multiple answers and make you guess if you ll get to keep your house or not. TERRIBLE TERRIBLE company. Would not recommend them to ANYONE. If they buy out your loan, RUN and refinance to get away from them as fast as you can before they screw up your loan.