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OverviewPreparing your estateWhen someone dies
OverviewPreparing your estateWhen someone dies
SimplyTrust forms
Letter of Instruction
Home→Financial Institutions→PHH Mortgage→Preparing your estate

What happens to your PHH Mortgage accounts when you die

Covers 5 lending accounts — all transfer through probate

Brand change

PHH Mortgage was rebranded to Onity Mortgage in 2026. phhmortgage.com redirects to onitymortgage.com. Same servicer, systems, account numbers, and phone numbers; checks made payable to PHH Mortgage are still accepted.

The procedures below reflect PHH Mortgage's accounts. Account servicing may transfer as the change takes effect.

PHH Mortgage

Subsidiary of Onity Group

onitymortgage.com→
PHH Mortgage logo

Customer Service (General Servicing Inquiries & Assistance)

Phone1-800-449-8767
EmailCustomerCare@MortgageFamily.com
Mailing Address

Onity Mortgage (PHH Mortgage), P.O. Box 24736, West Palm Beach, FL 33416-4736

HELOC Accounts
1-877-461-2437
Website / Web Support
1-833-862-0732
Telecommunications Relay Service
1-800-659-3656
Insurance Department
1-888-882-1855
Loss Draft Department
1-888-882-1815
Buy or Refinance Inquiries
1-877-319-0577
WebsiteLearn more→

Information Requests, Notices of Error & Qualified Written Requests

Phone1-800-449-8767
EmailResearch@MortgageFamily.com
Mailing Address

Onity Mortgage (PHH Mortgage), P.O. Box 24695, West Palm Beach, FL 33416

Customer Service (General Servicing Inquiries & Assistance)

Phone1-800-449-8767
EmailCustomerCare@MortgageFamily.com
Mailing Address

Onity Mortgage (PHH Mortgage), P.O. Box 24736, West Palm Beach, FL 33416-4736

HELOC Accounts
1-877-461-2437
Website / Web Support
1-833-862-0732
Telecommunications Relay Service
1-800-659-3656
Insurance Department
1-888-882-1855
Loss Draft Department
1-888-882-1815
Buy or Refinance Inquiries
1-877-319-0577
WebsiteNotify online→
Verified Jul 2026

PHH Mortgage does not currently support beneficiary designations, transfer-on-death registrations, or trust account titling on any account type. All PHH Mortgage mortgage loans pass through the estate at death and may require probate.

When an account holder dies, the executor or administrator will need to contact PHH Mortgage with a death certificate and legal authority documents to claim account balances. The process and required documents are covered on the death claim page.

PHH Mortgage does not currently support beneficiary designations (POD or TOD) on any account type. All accounts transfer through the estate at death and may require probate.

Why trust accounts are not available

PHH Mortgage does not support retitling accounts into a trust, naming a trust as beneficiary, or any other probate-avoidance mechanism. Account balances transfer through the estate at death.

SimplyTrustSimplyTrust Editorial·Updated July 11, 2026

Sources

  • onitymortgage.com
  • phhmortgage.com

Data sourced from PHH Mortgage primary sources (4 pages reviewed). How we research.

PHH Mortgage

Subsidiary of Onity Group

onitymortgage.com→
PHH Mortgage logo

Customer Service (General Servicing Inquiries & Assistance)

Phone1-800-449-8767
EmailCustomerCare@MortgageFamily.com
Mailing Address

Onity Mortgage (PHH Mortgage), P.O. Box 24736, West Palm Beach, FL 33416-4736

HELOC Accounts
1-877-461-2437
Website / Web Support
1-833-862-0732
Telecommunications Relay Service
1-800-659-3656
Insurance Department
1-888-882-1855
Loss Draft Department
1-888-882-1815
Buy or Refinance Inquiries
1-877-319-0577
WebsiteLearn more→

Information Requests, Notices of Error & Qualified Written Requests

Phone1-800-449-8767
EmailResearch@MortgageFamily.com
Mailing Address

Onity Mortgage (PHH Mortgage), P.O. Box 24695, West Palm Beach, FL 33416

Customer Service (General Servicing Inquiries & Assistance)

Phone1-800-449-8767
EmailCustomerCare@MortgageFamily.com
Mailing Address

Onity Mortgage (PHH Mortgage), P.O. Box 24736, West Palm Beach, FL 33416-4736

HELOC Accounts
1-877-461-2437
Website / Web Support
1-833-862-0732
Telecommunications Relay Service
1-800-659-3656
Insurance Department
1-888-882-1855
Loss Draft Department
1-888-882-1815
Buy or Refinance Inquiries
1-877-319-0577
WebsiteNotify online→
Verified Jul 2026

Estate planning articles

Learn how to protect your PHH Mortgage accounts and other assets with trusts, beneficiary designations, and estate planning documents.

When you're ready, we're here.

A revocable living trust skips probate, stays private, and takes 15 minutes.

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Estate planning articles

Learn how to protect your PHH Mortgage accounts and other assets with trusts, beneficiary designations, and estate planning documents.

Reimbursable Trustee Expenses: A Clear Overview

Reimbursable Trustee Expenses: A Clear Overview

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Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on Trusts: What We Agree and Disagree On

Dave Ramsey on trusts: any estate plan at all is a good thing. We agree about that. There's one thing we don't agree with him about on trusts, though.
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Jean Chatzky on Estate Planning: It’s a Gift

On estate planning, Jean Chatzky's most important reframe may be the simplest one. She says estate planning isn’t about your passing, it’s about your love for family.
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SimplyTrustSimplyTrust EditorialJuly 6, 2026
Robert Kiyosaki on Trusts: A Structural Necessity

Robert Kiyosaki on Trusts: A Structural Necessity

According to Robert Kiyosaki, trusts are a necessity for everyone, not only the wealthy.
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Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on Estate Planning: Start With a Living Trust

Ramit Sethi on estate planning: start with a living trust and have regular conversations with your heirs about how to manage finances when the trust becomes active.
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Is this your situation?

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New Baby or Adoption

New Baby or Adoption

Your family is growing. Your protection should too. Guardian nominations, trusts for minors, beneficiary updates, and the documents new parents need in place.

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Marriage

Marriage

What married couples need in place: one joint trust or two, wills, beneficiary updates, and the spousal rights your state grants you automatically.

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New Home

New Home

How to put your house in a revocable trust: the deed you record, what it does to your mortgage and property taxes, and when a TOD deed is simpler.

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Retirement

Retirement

Retirement changes your financial picture. Healthcare directives, beneficiary reviews, long-term care planning, and protecting what you've built.

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