Home Loan Refinancing | PHH Mortgage

Speak with a Loan Officer now: 855.234.1973

PHH Mortgage is here to help. Our experienced Loan Officers will guide you in finding the perfect loan for your goals.

Get cash from your home equity
Lower your rate or payment
Switch from an adjustable-rate to a fixed
Shorten your loan term and own sooner

PHH now offers RateRedo.¹ Refi or buy now, and when rates drop, your lender fees are on us for your next refinance!

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¹The lender credit is only available to borrowers who qualify for a new mortgage loan through PHH Mortgage. To be eligible for the RateRedo, the initial loan application must be a funded loan with a completed application date on or after April 15, 2024 and before March 31, 2025. The subsequent refinance must be on the same property as the initial loan and have an application date within twelve months of the initial loan’s fund date. The credit of up to $1,500 will be provided as a general lender credit or credited towards specific closing costs as reflected on the final Closing Disclosure. One-time RateRedo per property. Lender credit not to be combined with any other offers. Credit may be less than $1,500 on certain loans due to program requirements. Lender credit does not apply to FHA Streamline and VA IRRRL loans as specific closing costs do not apply on those loan types.

Depending on when you submitted your inquiry, we may call you outside of TCPA (Telephone Consumer Protection Act) dialing hours, but during our standard hours of business.

New York: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Not available for New York consumers, NY residents click here.

Reducing monthly payments can result in longer terms and greater costs over the life of the loan. An equity cash-out refinance will increase the mortgage loan balance owed on the property.

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