How Do I Write a Letter of Instruction to PHH Mortgage?

Send it to PHH Mortgage's estate/claims department: Onity Mortgage (PHH Mortgage), P.O. Box 24695, West Palm Beach, FL 33416. You can reach the department at 1-800-449-8767.

PHH Mortgage's recorded process does not require the letter itself to be notarized. Some enclosed documents (such as a small estate affidavit) may still need notarization.

PHH Mortgage lists these among its required documents: Certified copy of the death certificate; Loan number and property address; Government-issued photo ID of the person contacting the servicer; Certified Letters Testamentary or Letters of Administration (for an estate representative). The prepared letter includes an enclosure checklist drawn from PHH Mortgage's recorded requirements.

The servicer generally reviews submitted documents within several business days of receipt. Confirming a successor in interest and any assumption or loss-mitigation review can take several weeks depending on the documents provided.

PHH Mortgage accepts a letter you write. We draft it for you, addressed to PHH Mortgage's verified claims department with the required enclosures.

It depends on the capacity you are acting in. An executor or administrator encloses Letters Testamentary (when there is a will) or Letters of Administration (when there is not); a successor trustee encloses a certificate of trust; a successor under a small estate encloses that state’s small estate affidavit. The prepared letter lists the proof-of-authority document for your role alongside the institution’s required documents.

A letter of instruction is the written request an institution asks for when settling a deceased customer’s account. It identifies the decedent and the account, states the capacity you are acting in, and tells the institution what to do with the account.