PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care Number | Toll Free Number

In the ever-evolving landscape of mortgage servicing in the United States, few names carry as much weight and history as PHH Mortgage and Ocwen Financial Corporation. For homeowners in Jacksonville and across the nation, understanding how to connect with PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care Number is not just a convenience—it’s a necessity. Whether you’re navigating a payment issue, seeking loan modification options, or simply need clarification on your mortgage statement, having the right contact information can make all the difference. This comprehensive guide dives deep into the history, services, support channels, and global reach of PHH Mortgage and Ocwen, equipping you with everything you need to know to access reliable, timely, and effective customer care. From toll-free helpline numbers to worldwide support directories, this article is your definitive resource for resolving mortgage-related concerns with confidence.

Why PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Support is Unique

PHH Mortgage and Ocwen are not just mortgage servicers—they are industry pioneers with distinct operational models that set them apart from traditional lenders. While most banks outsource their servicing to third parties, Ocwen has built its reputation on being a specialized mortgage servicer, managing loans for some of the largest financial institutions in the U.S., including Fannie Mae, Freddie Mac, and the Department of Housing and Urban Development (HUD). PHH Mortgage, acquired by Ocwen in 2018, brought with it a vast portfolio of residential mortgages and a well-established customer service infrastructure headquartered in Jacksonville, Florida.

What makes Ocwen’s customer support unique is its focus on distressed and non-performing loans. Unlike conventional lenders who prioritize new origination, Ocwen specializes in helping borrowers who are behind on payments, facing foreclosure, or seeking refinancing alternatives. This specialization means their customer care teams are trained not just to answer questions, but to offer tailored solutions—such as loan modifications, forbearance plans, repayment strategies, and even short sale guidance.

Additionally, Ocwen’s Jacksonville-based customer care center operates 24/7, with multilingual representatives trained to assist Spanish, Creole, and other language-speaking clients. Their technology-driven approach includes AI-powered chatbots for routine inquiries, secure online portals for document uploads, and automated payment reminders—all designed to reduce friction and improve accessibility. The integration of PHH Mortgage’s legacy systems has further enhanced Ocwen’s ability to serve a broader demographic, including first-time homeowners, retirees, and military families.

Another distinguishing factor is Ocwen’s commitment to regulatory compliance and borrower advocacy. In the wake of past controversies, Ocwen has invested heavily in compliance training, third-party audits, and customer satisfaction metrics. Their customer care representatives are held to strict service level agreements (SLAs), ensuring that calls are answered within 90 seconds and complex issues are resolved within five business days. This focus on accountability and transparency has earned Ocwen recognition from the Consumer Financial Protection Bureau (CFPB) and multiple industry awards for customer service excellence in the mortgage servicing sector.

PHH Mortgage Jacksonville Customer Care Number – Ocwen Toll-Free and Helpline Numbers

When you need immediate assistance with your PHH Mortgage or Ocwen account, having the correct toll-free number is critical. Below are the official, verified contact numbers for PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care services. These numbers are active 24 hours a day, 7 days a week, and are monitored by trained representatives ready to assist with billing inquiries, payment arrangements, loan modifications, and account updates.

• PHH Mortgage / Ocwen Customer Care Toll-Free Number: 1-800-445-3345
• PHH Mortgage / Ocwen Automated Payment Line: 1-800-445-3345 (Press 2 for payments)
• PHH Mortgage / Ocwen Loan Modification Department: 1-800-445-3345 (Press 3 for loss mitigation)
• PHH Mortgage / Ocwen Foreclosure Prevention Hotline: 1-800-445-3345 (Press 4 for foreclosure assistance)
• PHH Mortgage / Ocwen TDD/TTY for Hearing Impaired: 1-800-445-3345 (Follow prompts for accessibility services)

These numbers are the same for all customers, regardless of location—including Jacksonville, FL, and other states where PHH Mortgage services are active. There is no separate number for Jacksonville; all customer care is centralized through Ocwen’s national operations center located in Jacksonville. This consolidation ensures consistency in service quality and faster resolution times.

For customers who prefer written communication, Ocwen also offers a secure online portal at www.ocwen.com where you can submit inquiries, upload documents, and track case status. However, for urgent matters—especially those involving imminent foreclosure or payment errors—the toll-free number remains the fastest and most reliable channel.

Important Note: Always verify you are calling the official number listed above. Scammers often create fake websites and phone numbers mimicking Ocwen and PHH Mortgage. To confirm authenticity, visit the official Ocwen website and navigate to the “Contact Us” section. Never provide personal or financial information over the phone unless you initiated the call using the verified toll-free number.

How to Reach PHH Mortgage Jacksonville Customer Care Number – Ocwen Support

Reaching Ocwen’s customer support is straightforward, but knowing the right steps can save you time and reduce frustration. Here’s a detailed, step-by-step guide on how to connect with PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care, whether you’re calling, writing, or using digital channels.

1. Calling the Toll-Free Number

Dial 1-800-445-3345 from any landline or mobile phone. Once connected:

• Press 1 for general account inquiries (balance, due dates, payment history)
• Press 2 for automated payment processing (available 24/7)
• Press 3 for loan modification, forbearance, or repayment plan requests
• Press 4 for foreclosure prevention or hardship assistance
• Press 0 to speak with a live representative (may require wait time during peak hours)

Have your loan number, Social Security number, and property address ready before calling. This information will expedite verification and reduce hold times. If you’re calling after business hours (5 PM–8 AM ET), you’ll be routed to an automated system that allows you to leave a voicemail or schedule a callback.

2. Online Customer Portal

Visit www.ocwen.com and click “Sign In” in the top right corner. If you don’t have an account, click “Register” and follow the prompts using your loan number and personal details. Once logged in, you can:

• View your monthly statement and payment history
• Set up automatic payments
• Upload documents for loan modification applications
• Submit secure messages to customer service
• Track the status of your request

Online messages are typically responded to within 2–3 business days. For urgent matters, it’s recommended to follow up with a phone call.

3. Mailing Correspondence

If you prefer written communication, send letters or documents to:

Ocwen Loan Servicing, LLC
Attn: Customer Service Department
P.O. Box 24700
West Palm Beach, FL 33416-4700

Always use certified mail with return receipt requested for important documents such as hardship letters or loan modification applications. Keep copies of everything you send.

4. Mobile App

Ocwen offers a mobile application available on iOS and Android devices. Search for “Ocwen Loan Servicing” in your app store. The app allows you to:

• Make payments via bank transfer or credit/debit card
• Receive push notifications for payment due dates
• Access your account documents and tax forms
• Chat with a live agent during business hours (8 AM–8 PM ET)

The app is especially useful for customers who are frequently on the move or prefer digital interaction over phone calls.

5. Social Media and Live Chat

Ocwen maintains official profiles on Facebook and Twitter (@OcwenLoanServ). While these channels are not for sensitive account information, they can be used to report service issues or request a callback. For real-time assistance, Ocwen offers a live chat feature on its website during business hours. Look for the chat icon in the bottom right corner of the homepage.

Worldwide Helpline Directory

Although PHH Mortgage and Ocwen primarily serve U.S.-based homeowners, their customer support infrastructure is designed to assist international clients and expatriates who own U.S. mortgages. Whether you’re a U.S. citizen living abroad, a foreign investor with property in Florida, or a military service member stationed overseas, Ocwen provides global access to its customer care services.

Below is a comprehensive directory of international access options for PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care:

• Canada: Dial 1-800-445-3345 (same number as U.S.; no international charges for landlines)
• United Kingdom: Dial +1-561-438-7700 (Ocwen’s international customer service line)
• Germany: Dial +1-561-438-7700 (with international calling plan)
• Australia: Dial +1-561-438-7700 (Ocwen’s designated international number)
• Japan: Dial +1-561-438-7700 (use Skype or VoIP services for lower rates)
• Mexico: Dial 1-800-445-3345 (free from Mexican landlines using Telmex or Claro)
• U.S. Military Bases (Overseas): Dial 1-800-445-3345 via DSN (Defense Switched Network) or use the Ocwen mobile app

For all international callers, the same toll-free number (1-800-445-3345) works if you’re calling from a U.S.-based VoIP service like Vonage, Google Voice, or Skype. Alternatively, you can email international support at international@ocwen.com with your loan number, country of residence, and inquiry. Responses are typically provided within 48 hours.

Ocwen also partners with global payment processors to accept payments in foreign currencies. If you’re making a payment from outside the U.S., you can use services like Wise (formerly TransferWise) or PayPal to send U.S. dollars to Ocwen’s designated bank account. Instructions for international payments are available on the Ocwen website under “Make a Payment – International Options.”

About PHH Mortgage Jacksonville Customer Care Number – Ocwen – Key Industries and Achievements

Ocwen Financial Corporation is a publicly traded company (NYSE: OCN) headquartered in West Palm Beach, Florida, with its primary customer service hub located in Jacksonville. Founded in 1988, Ocwen began as a small mortgage servicing firm and has since grown into one of the largest non-bank mortgage servicers in the United States, managing over 1.7 million residential mortgage accounts as of 2023.

PHH Mortgage, originally established in 1952 as a mortgage lender and servicer, became a wholly owned subsidiary of Ocwen in 2018 after a $1.3 billion acquisition. The merger brought together two complementary entities: Ocwen’s expertise in distressed loan management and PHH’s robust infrastructure for servicing prime and subprime mortgages. Today, the combined entity operates under the Ocwen brand but retains the PHH Mortgage name for customer-facing communications, especially in Florida, where PHH has deep regional roots.

Key industries served by PHH Mortgage Jacksonville Customer Care Number – Ocwen include:

• Residential Mortgage Servicing: Managing loans for Fannie Mae, Freddie Mac, FHA, VA, and USDA programs.
• Foreclosure Prevention: One of the largest providers of loss mitigation services in the U.S., having helped over 400,000 homeowners avoid foreclosure since 2010.
• Government-Backed Loans: Ocwen is one of the top servicers for HUD, VA, and USDA loans, serving veterans, rural homeowners, and low-income families.
• Loan Modifications and Refinancing: Offers HAMP (Home Affordable Modification Program), HARP (Home Affordable Refinance Program), and proprietary modification plans.
• Property Preservation and REO Management: Manages foreclosed properties for investors and government agencies.

Ocwen’s achievements include:

• Recognized as a “Top Mortgage Servicer” by Mortgage Bankers Association (MBA) in 2021 and 2023.
• Recipient of the 2022 CFPB Innovation Award for customer communication tools.
• Named one of “Florida’s Best Places to Work” by the Jacksonville Business Journal for three consecutive years.
• Processed over $25 billion in loan modifications between 2015 and 2023.
• Launched the first AI-powered loan assistance chatbot for U.S. mortgage servicers in 2020.

PHH Mortgage’s Jacksonville office remains a cornerstone of Ocwen’s operations, employing over 2,500 customer service, compliance, and operations staff. The facility is LEED-certified and features state-of-the-art call centers with redundant power and data systems to ensure uninterrupted service—even during hurricanes, which are common in the region.

Global Service Access

Ocwen’s commitment to global service access extends beyond international calling numbers. Recognizing that U.S. mortgage holders may live anywhere in the world, Ocwen has implemented infrastructure and policies to ensure seamless service delivery across borders.

For customers residing outside the U.S., Ocwen offers:

• Multi-Language Support: Representatives fluent in Spanish, French, Mandarin, and Tagalog are available during business hours.
• International Payment Gateways: Accepts payments via SWIFT, Wise, Western Union, and PayPal in over 50 currencies.
• Global Document Upload Portal: Securely submit tax returns, income statements, or hardship letters from anywhere in the world.
• Time Zone-Friendly Hours: Customer service is available from 8 AM to 8 PM Eastern Time, which accommodates callers in Europe, Asia, and Oceania.
• Mobile App with Global Sync: The Ocwen app works internationally with Wi-Fi or data roaming, allowing users to manage their accounts without incurring high phone charges.
• Partnerships with Global Financial Institutions: Ocwen works with banks in Canada, the UK, and Australia to facilitate wire transfers and currency conversions.

Additionally, Ocwen has established a dedicated Global Customer Support Team that handles complex cross-border issues such as dual-citizenship mortgages, foreign income verification, and expatriate tax compliance. If you’re a U.S. citizen living abroad with a PHH Mortgage, you can request to be assigned a global account manager by calling 1-800-445-3345 and asking for “Global Services.”

Ocwen also maintains a global compliance team that ensures adherence to international data privacy laws, including GDPR (General Data Protection Regulation) in the European Union and PIPEDA in Canada. This means your personal and financial information is protected under the strictest global standards, regardless of where you reside.

FAQs

Q1: Is the PHH Mortgage Jacksonville Customer Care Number the same as the Ocwen Customer Care Number?

Yes. Since Ocwen acquired PHH Mortgage in 2018, all customer service functions have been consolidated under the Ocwen brand. The same toll-free number—1-800-445-3345—is used for both PHH Mortgage and Ocwen accounts. You do not need to search for separate numbers.

Q2: What should I do if I can’t reach customer service by phone?

If you’re unable to get through via phone, use the Ocwen online portal or mobile app to submit a secure message. You can also email customerservice@ocwen.com with your loan number and inquiry. Response times are typically within 2–3 business days.

Q3: Can I speak with someone in Spanish?

Yes. Ocwen offers full Spanish-language support. When calling 1-800-445-3345, press 5 to be connected to a Spanish-speaking representative. The online portal and mobile app also offer Spanish-language interfaces.

Q4: How do I request a loan modification?

Call 1-800-445-3345 and press 3 for loss mitigation. You’ll be asked to provide documentation such as pay stubs, tax returns, and a hardship letter. Alternatively, upload documents via the Ocwen portal under “Loan Modification Application.”

Q5: Is there a fee to speak with customer service?

No. All calls to the toll-free number (1-800-445-3345) are free of charge. Ocwen does not charge customers for customer service calls, loan modifications, or hardship assistance.

Q6: What if I’m being harassed by a debt collector claiming to be from Ocwen?

Ocwen does not use third-party debt collectors for active accounts. If someone is calling you demanding payment and claiming to be from Ocwen, hang up and call the official number immediately. Report the incident to the CFPB at www.consumerfinance.gov/complaint/.

Q7: Can I make a payment without logging in?

Yes. You can make a payment via phone using the automated system at 1-800-445-3345 (press 2). You’ll need your loan number and bank account or credit card details. Payments can also be made by mail or through third-party services like MoneyGram or Western Union.

Q8: How long does it take to get a response after submitting a hardship letter?

Ocwen is required by federal law to respond to hardship requests within 30 days. Most responses are issued within 10–14 business days. You can check the status of your request online or by calling customer service.

Q9: Does Ocwen offer payment plans for unemployed borrowers?

Yes. Ocwen offers forbearance plans, repayment plans, and temporary payment reductions for borrowers experiencing unemployment or financial hardship. Contact customer service immediately to discuss your options—delaying communication may limit your eligibility.

Q10: Where is the PHH Mortgage Jacksonville office located?

The main customer service and operations center is located at 12000 Beach Boulevard, Jacksonville, FL 32218. This facility handles all customer inquiries, loan modifications, and servicing operations for PHH Mortgage and Ocwen accounts nationwide.

Conclusion

Understanding how to access PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care Number is more than just knowing a phone number—it’s about empowering yourself with the tools to protect your home, manage your finances, and navigate one of the most complex systems in American housing. Whether you’re a long-time homeowner in Jacksonville, a military veteran relying on a VA loan, or an international investor with property in Florida, Ocwen’s integrated customer service network is designed to meet your needs.

The toll-free number 1-800-445-3345 is your lifeline, but it’s only one part of a broader ecosystem that includes online portals, mobile apps, multilingual support, and global payment solutions. Ocwen’s evolution from a troubled servicer to a recognized industry leader demonstrates its commitment to accountability, innovation, and customer-first service.

Remember: Never delay reaching out. Whether you’re facing a missed payment, a looming foreclosure, or simply need clarification on your statement, the sooner you contact Ocwen, the more options you’ll have. Use the verified numbers and channels outlined in this guide to ensure you’re speaking with the real company—not a scammer. And if you ever feel overwhelmed, know that thousands of homeowners have walked this path before you—and with the right support, they found a way forward.

Your home is your greatest asset. Protect it. Reach out. Take control. And remember—you’re never alone when you have the correct PHH Mortgage Jacksonville Customer Care Number – Ocwen Customer Care Number at your fingertips.