I would give zero stars if possible.

I would give zero stars if possible.

This company purchased my loan. Once they purchased my loan, they started flooding my mailbox with paper for various issues. They opened an escrow account when no escrow account existed. they then paid my insurance without having an escrow account opened. When I tried to resolve the issue, they asked me to go onto their website and make a payment and select that the payment was for escrow. We did that and received an email confirmation. Since then, they have taken the payment and applied it to principle. Trying to get this resolved has been a nightmare. If you need a loan, DO NOT use PHH. If PHH purchases your loan, refinance.