Two PHH mortgage settlement checks are in motion in 2026. The Munoz v. PHH Corp. settlement pays $875 per qualifying loan to borrowers whose private mortgage insurance was tied to PHH’s captive reinsurance arrangements between 2007 and 2009, with claims due August 11, 2026. The Williams v. PHH Mortgage settlement divides $1.5 million among borrowers who received allegedly misleading Notices of Default, with no claim form required and payments issued after the June 9, 2026, final fairness hearing.
Munoz v. PHH Corp. Kickback Settlement: $875 Per Loan
The Munoz case (No. 1:08-cv-00759-MMB-BAM, Eastern District of California) resolved allegations that PHH violated Section 8 of the Real Estate Settlement Procedures Act by routing kickbacks through “captive mortgage reinsurance agreements,” causing borrowers to overpay for private mortgage insurance.1PHH MI Settlement. Munoz v. PHH Corp. Settlement2Kenyon Content. Munoz v. PHH Corp. Long Form Notice The court granted final approval on December 19, 2025. No objections were filed and only a single untimely opt-out was received.3Courthouse News Service. Settlement Approved in RESPA Suit
Who Qualifies
You are in the class if you obtained a residential mortgage loan originated or acquired by PHH or its affiliates between January 1, 2007, and December 31, 2009, and you bought private mortgage insurance connected to that loan under PHH’s captive reinsurance agreements. Successors, heirs, and assigns are also covered. Officers, directors, and employees of the defendants are excluded, along with anyone who previously opted out.4PHH MI Settlement. Munoz v. PHH Corp. FAQ
How Much and How to Claim
Each valid claim pays $875 per qualifying loan. Only one claim is permitted per loan, and co-borrowers receive one joint check mailed to the address on the first-filed claim.4PHH MI Settlement. Munoz v. PHH Corp. FAQ This settlement will not pay you automatically. You must submit a claim form by August 11, 2026, through one of three channels:
- Online at PHHMISettlement.com
- By mail to JND Legal Administration, P.O. Box 91304, Seattle, WA 98111
- By email to info@PHHMISettlement.com5Kenyon Content. Munoz v. PHH Corp. Claim Form
When Checks Will Mail
Payments will be issued once the appeals window has closed. As of the December 2025 final approval hearing, no appeals had been filed. The settlement website does not commit to a specific mailing date.4PHH MI Settlement. Munoz v. PHH Corp. FAQ3Courthouse News Service. Settlement Approved in RESPA Suit
Williams v. PHH Mortgage: $1.5 Million for Misleading Default Notices
The Williams case (No. 3:25-cv-00144-KDB-UMJ, Western District of North Carolina) alleges PHH sent Notices of Default that falsely threatened immediate acceleration and foreclosure if borrowers did not cure by the stated deadline, even though PHH could not legally accelerate or foreclose until a loan was at least 120 days delinquent, generally about 30 days beyond those deadlines. The complaint invokes the Fair Debt Collection Practices Act, California’s Rosenthal Act, the North Carolina Debt Collection Act, and the North Carolina Collection Agency Act.6Williams PHH Settlement. Williams v. PHH Settlement FAQ7Williams PHH Settlement. Williams v. PHH Settlement Homepage
PHH agreed to pay $1.5 million, divided equally into three $500,000 funds. The court preliminarily approved the deal on February 4, 2026, and set final fairness for June 9, 2026.8ClassAction.org. $1.5M PHH Mortgage Corporation Settlement
Three Classes
Three classes are covered, and a borrower whose loan qualifies under more than one collects from each applicable fund:
- FDCPA class: borrowers nationwide whose residential mortgage loans were serviced by PHH after PHH acquired servicing rights while the loan was 30 or more days delinquent, and who received a Notice of Default between December 18, 2022, and December 15, 2025.
- California class: borrowers on California residential mortgage loans serviced by PHH who received a Notice of Default between December 18, 2022, and December 15, 2025.
- North Carolina class: borrowers on North Carolina residential mortgage loans serviced by PHH who received a Notice of Default between January 14, 2021, and December 15, 2025.6Williams PHH Settlement. Williams v. PHH Settlement FAQ
Automatic Payment, No Claim Form
No claim form is required in Williams. Class members are automatically included and will receive payment by check or electronic transfer unless they opted out by May 5, 2026.8ClassAction.org. $1.5M PHH Mortgage Corporation Settlement The per-person amount has not been disclosed; it depends on the final class size, court-approved attorney fees, and administrative costs.6Williams PHH Settlement. Williams v. PHH Settlement FAQ Once mailed, checks must be cashed within six months.9ClassAction.org. Williams v. PHH Settlement Agreement Payments will follow final approval, expected at or after the June 9, 2026, hearing.
Earlier PHH Settlements That Have Already Paid
If you received a notice about a PHH settlement in a prior year, it is likely one of these completed matters rather than Munoz or Williams.
HUD “Pay-to-Pay” Fee Restitution (January 2025)
The U.S. Department of Housing and Urban Development settled with PHH in January 2025 over convenience fees charged for phone, automated, and online mortgage payments, which HUD determined violated FHA rules. The deal covered roughly 490,000 transactions affecting approximately 51,500 borrowers between May 2021 and February 2023. Restitution totaled about $3.5 million, plus $245,000 to HUD for administrative expenses. Borrowers whose loans PHH still serviced received automatic account credits; former PHH customers received checks. No claim form was needed, and PHH did not admit fault.10HousingWire. HUD Settles With PHH Over Alleged Mortgage Payment Fees
49-State Servicing Settlement (Checks Mailed May 31, 2019)
Forty-nine state attorneys general, 46 state mortgage regulators, and the District of Columbia reached a settlement filed in the U.S. District Court for the District of Columbia on May 10, 2018, resolving allegations of servicing and foreclosure abuses between January 1, 2009, and December 31, 2012. PHH provided $30.4 million in borrower relief through two funds: roughly $24.3 million to about 27,708 foreclosed borrowers, and roughly $6.2 million to about 20,820 borrowers whose loans were referred to foreclosure but who kept their homes.11National PHH Settlement. National PHH Settlement
Notices were mailed in November 2018, the claim deadline was January 28, 2019, and settlement checks went out on May 31, 2019. Amounts varied by state. New York reported that over 800 New York borrowers received more than $666,000 in total, with foreclosure victims paid roughly $1,500 and those referred to foreclosure paid roughly $540.12New York Attorney General. Attorney General James Announces Payments to Borrowers Texas set lower floors of $840 for foreclosed borrowers and $285 for those who kept their homes.13Texas Attorney General. PHH Mortgage Corporation Settlement This program is closed.
Not a Source of Borrower Checks
In August 2017 PHH agreed to pay more than $74 million to resolve False Claims Act allegations tied to federally insured mortgage loans, with $65 million for FHA claims and $9.45 million for VA and FHFA claims. PHH admitted originating and underwriting FHA-insured loans between 2006 and 2011 that did not meet HUD requirements and admitted failing to self-report material violations until 2013 despite internal audits from 2007 showing accuracy rates of 50 percent or lower. Whistleblower Mary Bozzelli, a former PHH underwriting supervisor, received over $9 million.14U.S. Department of Justice. PHH Agrees to Pay Over $74 Million to Resolve Alleged False Claims Act Liability15Rochester Business Journal. U.S. Awards $9 Million to Whistleblower Those funds went to the federal government and the whistleblower, not to borrowers.
Pending Litigation: Golden v. PHH (Oregon)
In February 2026, Oregon borrowers Tonya Golden and John James Gilbert sued PHH in the U.S. District Court for the District of Oregon (No. 6:26-cv-00243), alleging PHH failed to apply approximately $60,000 in state Homeowner Assistance Fund money to their delinquent FHA mortgage and then initiated foreclosure. The complaint raises RESPA, Oregon consumer protection, and financial abuse of a vulnerable person claims. PHH’s motion to dismiss was denied as moot after the plaintiffs filed an amended complaint in May 2026.16Mortgage Professional America. Lawsuit Accuses PHH Mortgage of Not Applying $60K in HAF Funds17PACER Monitor. Golden v. PHH Mortgage Corporation The case is in early stages and is not paying settlement checks.