Falling behind on a mortgage serviced by PHH Mortgage — now Onity Mortgage as of March 23, 2026 — sets the same servicer sequence in motion as any large servicer. Loss mitigation outreach begins, formal notices follow, and ultimately foreclosure is initiated if not interrupted with a complete modification application. Whether your statements say PHH Mortgage or Onity Mortgage, the approach is identical: a complete modification application submitted before the 120-day threshold prevents the foreclosure track from starting and gives the modification process the most time and the most favorable environment to succeed.
30 days past due: The servicer begins loss mitigation outreach. Every modification program is accessible. No foreclosure track has started. This is the most favorable time to engage — maximum time, no formal process, and the loss mitigation team is actively trying to resolve the delinquency before it escalates.
60 to 90 days past due: Outreach intensifies. By 36 days past due, PHH/Onity Mortgage is required to send written notification of loss mitigation options under federal regulation. The account is being evaluated internally for both loss mitigation eligibility and potential foreclosure referral preparation.
90 to 120 days past due: PHH/Onity Mortgage is approaching the federal threshold for first foreclosure action. This is the last pre-filing window. A complete modification application submitted immediately can prevent the foreclosure track from starting. Every day without a complete application on file is a day of this window consumed.
120+ days past due: The servicer can now refer the account to foreclosure attorneys. Loss mitigation and foreclosure run on separate tracks. Only a complete application bridges them through federal dual tracking protections.
Behind on Your PHH / Onity Mortgage? Submit a Complete Application Before the 120-Day Threshold
The period before the servicer refers the account to foreclosure attorneys is the most valuable window. A professional prepares and submits a complete modification application immediately.
See My Options →I thought my servicer was Ocwen — now it says PHH or Onity Mortgage. What happened?
Ocwen Financial Corporation rebranded as Onity Group Inc. in June 2024. PHH Mortgage Corporation — Ocwen's mortgage servicing subsidiary — rebranded as Onity Mortgage Corporation in March 2026. If you had a loan with Ocwen, PHH Mortgage, or now see Onity Mortgage on your statements, these are all the same corporate family. Your loan has not been transferred.
Is there any cost to find out what I qualify for?
Submitting your information costs nothing. A professional reviews your situation and discusses your options before any commitment is made.
Disclaimer: This article is for informational purposes only and does not constitute legal or financial advice. Mortgage Options Network is operated by Pipeline Harbor Digital LLC. We connect homeowners with experienced mortgage relief professionals who can help evaluate their options.