PHH Mortgage is wrongfully and illegally forclosing on families homes.
Here is a link to a complaint site with hundreds of people who have been dealing with PHH for years trying to save their homes, and many losing the fight.
http://phhmortgage.wordpress.com/your-phh-mortgage-complaints/ .  They will not "modify" your loan if you ask they WILL foreclose on you with out any notice even though you are current on your payments! watch your local paper for the sheriff sale date! DO not attempt to modify your loan with them!