Financing & Mortgages

PHH Home Loans works to bring you a full-service mortgage solution. Customers across the country can rely on ERA Real Estate professionals to guide them through the home buying process. PHH Home Loans works to provide home financing solutions for these customers.

WHAT CAN PHH HOME LOANS DO FOR YOU?

With decades of mortgage experience, our loan consultants will provide you with superior service. In fact, we're so confident we offer a competitive service guarantee. We'll close your loan by the agreed upon closing date - or we'll pay you $500.*

You can also apply for a loan pre-approval decision with PHH Home Loans, so you'll know just how much home you can afford. A pre-approved decision letter in-hand shows the seller and real estate agent that you're financially ready to buy the home and gives you an advantage over other buyers who may be interested in the same property.

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GET STARTED NOW

Our loan pre-approval decision process is quick and easy. Just call (866) 467-8266 to speak with an experienced loan consultant. We'll walk you through what's involved and get you started today.

*Approved, conventional, conforming, purchase loans only. Excludes loans for REO, USDA and short sale properties. Void when delayed closing is required by law. Closing date to be mutually agreed upon between customer and us, and customer must provide all required documentation. Void if delays are caused by third-party entities (Appraisal, Title, Verification of Employment, etc.). Request for adjustment under guarantee must be made no later than 48 hours after the loan closing.

Mortgage Calculator

Loan Options

Need help understanding the financing options for your new home or property? With a wide variety of products to choose from, PHH Home Loans has one to fit your needs. Read more to understand which mortgage program might be right for you.

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Mortgage Calculator

Affordability Calculator

Want to know how much home you can afford? Answer a few simple questions and we'll show you, including the estimated loan amount you qualify for, the monthly payments and other important numbers.

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Mortgage Calculator

Monthly Payment Calculator

Your monthly mortgage payment is calculated by adding the costs of the principal and interest on your loan, and money held in escrow for taxes and insurance. How much will your monthly payment be? Get an idea now and compare different loan terms.

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Mortgage Calculator

Rent vs. Buy Calculator

If you rent your home and are thinking about buying, this calculator can help you determine if it makes financial sense. Simply provide some information about your current monthly rent and the home you'd like to buy, and find out fast which one saves you more money.

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Mortgage Calculator

Refinance Calculator

Is now a good time for you to refinance? Can you reduce your monthly payment? Can you get extra cash? Just enter information about your current loan and the new loan you're thinking about, and we'll calculate your savings.

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Mortgage Calculator

Amortization

Want to see what goes into your monthly mortgage payment? Just fill in the blanks to see how much goes toward principal and interest month by month over the life of the loan, and what the loan balance will be.

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