WORST mortgage lender EVER!! I called PHH in Mount Laurel and got shipped to the Philippines, told them I called Mount Laurel and wanted to speak with someone there. Whether I did or not I don't know, at least they spoke English with no accent but were about as helpful as everyone else in their employ . . . not very. Their bookkeeping boggles my mind. First, we always received 2 statements every month. I assume they thought we would have been stupid enough to send 2 payments, God only knows where the second payment would have gone. We paid our mortgage in full with a personal check dated 8/29, they posted it on 9/2 and we STILL get statements. Today we received a 3 page letter with a postage dated 9/9 with directions on paying the balance. We told them a long time ago that we were paying it off sooner than need be and the final payment would be by our terms, the way WE wanted to handle it, not theirs, we had enough of their shoddy practices (especially sharing our personal info with an unauthorized 3rd party). Now they have our escrow, one person told me it would be 30 days before we got it, today someone told me 10 - 15 business days BUT I was told that makes it about 30 days. What? Do the math, we should have it no later than 9/23. Plus, they get to hold our money but not give us interest on it. So glad we will no longer have to deal with this unethical (Google them, there's plenty of good reading if you're into illegal practices) corporation. Stay away, stay far away. Our rating would have been a negative digit was not given that option.