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Box 57012 Irvine CA 92619 877-530-8951 678-475-8779, Covington Industrial Bank IncISAOA/ATIM A 333 Quadrangle Ave Bolingbrook IL 60490 630-226-4220 630-226-4228, CitimortgageISAOA/ATIM A PO Box 81300 Atlanta GA 30366 800-283-7918 800-667-8424, Citimortgage, IncISAOA/ATIM A PO Box 7706 Springfield OH 45501 800-283-7918 800-667-8424, Citizens Mortgage Dovenmuehle Mortgage, Inc.ISAOA/ATIM A PO Box 25314 Santa Ana CA 92799 309-661-8700 309-661-0606, Citizens Savings BankISAOA PO Box 1207Bloomington IL 60127 309-661-8700 309-661-0606, Commercial Lending, LLCISAOA/ATIM A 7603 Maple Branch Rd Clifton VA 20124 703-303-9013 703-563-9238, Carrington Mortgage ServicesISAOA/ATIM A P.O. Hospitals of Ontario Voluntary Life Insurance Plan The Hospital also agrees to make the Hospitals of Ontario Voluntary Life Insurance Plan (HOOVLIP) available to the nurses subject to the provisions of HOOVLIP at no cost to the Hospital. It ensures that the mortgagee will be paid out even if the mortgagor is responsible for the damage to the property. Save my name, email, and website in this browser for the next time I comment. West Palm Beach, FL 33416 As an Amazon Associate I earn from qualifying purchases. Remember, if a property were damaged and uninsured, the mortgagee might not be able to sell it for enough money to cover the remaining balance of the mortgagors loan. Guido Van Den Oord Pms Piling Machinery Services However, it is only appropriate to learn a few things about a mortgagee clause before you can actually use it. Box 692408 San Antonio Tx 78269 800-561-4567 877-267-1331, Cap Source, Inc2009 E. Windmill Ln 89123 702-693-63181- 702-254-0806, Casey Moseman/Las Vegas Custom Loans LLC8345 W. Sunset Rd.38089123 702-271-12741-800-630-0896, Cross Country Mortgage5451 S. Durango Dr.115 Las Vegas NV 89113 702-363-6380, Cornerstone Home Lending, Inc2950 Sunridge Heights Pkwy 100 Las Vegas NV 89052 702-492-50 771-866-610-5750, Catalyst Lending4775 W. Teco Ave. 130 Las Vegas NV 89118 888-206-1600, CitiMortgage IncISAOA PO Box7706 Springfield OH 45501 1-800-248-4638 937-324-6577, Citi BankISAOAPO Box 7807 Springfield OH 455011-800- 248-4638 866-675-5772, EMC Mortgage CorporationISAOA/ATIM A PO Box 7589 Springfield OH 45501 800-695-7695 877-305-1003, EquiFirst CorporationISAOA/ATIM A Title 500 Forest Point Circle Charollet NC2 8273 704-679-4400 704-625-4500, EquiFirst CorporationISAOA/ATIM A HOI PO Box 11893 Jacksonville FL32239 704-679-4400 704-625-4500, Evergreen Home Loans8945 W. Russell Rd. PHH helps clients with every major aspect of mortgage banking. Reminder - after October 31, 2022 your current Home Equity Line of Choice checks will no longer be accepted and a replacement checkbook will not be automatically mailed. Home Loans Center. A mortgagee is someone who lends you money to buy a home. fax: (561) 682-8353, PHH Mortgage 10951 White Rock Rd., Ste 200 No lender will give you money unless you buy an insurance policy to pay for the loss in case the property gets damaged. Sample 1 Sample 2 See All ( 9) For the purpose of this article, were going to focus on homeowners insurance, as its directly beneficial for both mortgagors and mortgagees. What is the name and address of your lender that you can list under the mortgagee clause? PHH Mortgage is committed to providing our customers with excellent customer service, helping them access home equity and, most importantly, stay in their homes. To discuss your options and/or start the removal process, email us at customercare@mortgagefamily.com or call our Customer Care Department at 1-800-449-8767. Wells Fargo Home Mortgage ISAOA/ATIMA PO Box 6502 Springfield. As discussed, a mortgagee clause is a lender protection that prevents lenders from financial losses and from taking complete responsibility for a failed loan due to property damage. Topfoodstoragereviews.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. Box 1504. Scam Alert! Mortgage. A borrower, on the other hand, is known by the term Mortgagor. Apple and the Apple logo are trademarks of Apple Inc. registered in the U.S. and other countries. How to Get a Mortgage Pre-Approval for Buying a New Home, Cash-Out Mortgage Refinance: What It Is and How It Works, 7 Essential Tips For Buying Your Next Home, Borrowing Basics: Home Equity Loans vs. Cash Out, Tips on Buying a New Home from Real Estate Pros, 10 Things to Know Before Refinancing Your Mortgage, Get Your Home Ready to Sell in 6 Easy Steps, The Consumer Financial Protection Bureau's (CFPB) Reverse Mortgage Discussion Guide, U.S. Department of Housing and Urban Development's "How the HECM Program Works", National Reverse Mortgage Lenders Assocation's "What You Need to Know About Your HECM After Closing". Order new checks by calling our Customer Service Department at 855.806.4660 Monday - Friday 8am - 8pm ET, Saturday 8am . She holds a bachelors degree in journalism with an emphasis in political science from Michigan State University, and a masters degree in public administration from the University of Michigan. 100 Las Vegas NV 89113 855.216.4366, Ohio Savings Bank Principal Residential Mortgage, Inc.ISAOA/ATIMA P.O. These are usually phone calls from individuals claiming to be PHH MORTGAGE SERVICES (PHH) employees demanding payments in the form of a pre-paid debit/gift cards to cover trial loan modification payments, escrow shortages and/or to avoid foreclosure. Box 66002 Lawrenceville, NJ 08648 Customer Service Toll-Free 800-449-8767 Hours: (Eastern Time) Monday through Friday 8:00 a.m. - 9:00 p.m. Saturday 8:00 a.m. - 5:00 p.m. Borrower Loan Payments PHH Mortgage Services PO Box . document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); OnlineMortgageHub.com is a blog all about mortgages. Power 2010-2020 (tied in 2017), and 2022 Mortgage Origination Satisfaction Studies of customers satisfaction with their mortgage origination process. Box5954. A mortgagee clause, on the other hand, ensures that the lender gets paid for the value of the loss, although the homeowner might be denied of the same. PDF PHH Mortgage Services Contact Info Even if a lender sells your loan, they can retain the servicing rights, meaning you still send your payment to them and their responsible for maintenance of the escrow account and you can contact them about the loan at any time. Corporation A. We do not review any information you provide us for legal or financial accuracy or sufficiency, draw financial conclusions, provide opinions about your selection of forms, or apply the law to the facts of your situation. Mortgage Basics - 4-minute read, Victoria Araj - May 01, 2023. The Consumer Financial Protection Bureau's (CFPB) Reverse Mortgage Discussion Guide Its meaning is very similar to ISAOA, as it merely allows the mortgagee to include others under the policys protection without having to name them explicitly. Taxes and Insurance Insurance and Additional Services Rancho Cordova, CA 95670 Submission of Loss Mitigation Documentation. Box 57012, Citimortgage, Inc ISAOA/ATIMA PO Box 7706, Bank of America, NAISAOA/ATIMA P.O. REMIC Administrator: Residential Funding Corporation If Residential Funding Corporation is found by a court of competent jurisdiction to no longer be able to fulfill its obligations as REMIC Administrator under this Agreement the Master Servicer or Trustee acting as Master Servicer shall appoint a successor REMIC Administrator, subject to assumption of the REMIC Administrator obligations under this Agreement. Wear OS by Google and Google Play are trademarks of Google LLC. . Box 3092 Utica NY 13599 800-968-7700 248-250-5336, Fleet Mortgage CorporationISAOA/ATIM A C/o Fleet Mortgage Group P.O. Whether it's servicing the assets you retain or providing liquidity for the assets you wish to sell, PHH can be your premier partner to cover the entire mortgage lifecycle - all without competing for your customer. Our Story. But if the property is damaged, the mortgagees investment is put in jeopardy. Ocwen Mortgage Payoff, Payment, Address & Customer Service, Cenlar Mortgage A Leader in Mortgage Subservicing, Bank of America Mortgage Payment Mailing Address, Online, Fremont Bank Mortgage, Payment and Customer Service, First Heritage Mortgage Payment and Customer Service. Product availability is subject to market conditions and not all products may be available at all times. Our website is currently unavailable while we are performing upgrades. PHH Mortgage is a non-bank lender that has been providing mortgages since 1984. TIN, ngy 25/5 u 2023 : T i i , 3 i , i, i . 1.8 miles away from PHH Mortgage. Visit jdpower.com/awards for more information. Benefits of Lowering Your Monthly Payment, Cash-Out Refinance: Using Home Equity to Pay Off Debt. Make your payment by signing into your account online or on the mobile app and choose the Payment tile. Box5954. What kind of taxes are included in my escrow account? PO Box 24607 B []. Your bank might be taken over by some other company or your bank may sell your loan or the servicing rights of your loan to another company in future. Chase Home Finance LLC ISAOA PO Box 47020, Chase Manhattan Mortgage Corporation ISAOA/ATIMA P.O. You will find the mortgagee clause address and other details on this page. Regions Bank Mortgagee Clause - ISAOA / ATIMA Insurance PHH Mortgage Services Attn: Loss Draft Department One Assurant Way Springfield, OH 44505 Fax Number: 937-525-8923 Q: Am I required to have homeowner's (hazard or property) insurance? Box2325 Coraopolis PA 15108 800-669-6607 800-520-5019, Bank of America, NA 744 (Jumbo, $240,000 or more & ARMS) ISAOA/ATIM A P.O. B m bi, 3em S svi bi i4/2020, mxi ciskmeoiv mcu b 12ui x S (uV,i)i oc3 vic, mi vi12kr kimikiiuix. Go here for the Rocket MortgageNMLS consumer access page. PHH Mortgage Corporation. U.S. Real Property Holding Corporation The Company is not and has never been a U.S. real property holding corporation within the meaning of Section 897 of the Internal Revenue Code of 1986, as amended, and the Company shall so certify upon Purchasers request. Rocket Mortgage lets you do it all online. Please read: This information is provided to help Insurance Agents continue to be at their best. n n n n n n n. Online Payments - schedule one-time payments online or on the mobile app. The full form of ATIMA is As their interests may appear. It protects the mortgage lender if the account goes into default or foreclosure. Mortgage Help - Home Loans - HSBC Bank USA Mortgagee addresses | CSS Insurance Services, llc ISAOA is an acronym found in mortgagee clauses that stands for its successors and/or assigns. Its included in the clause to stipulate that the mortgagee can transfer their rights to another bank or financial institution. Box 57003 Irvine CA 92619 215-682-1000 866-807-1814, Greenpoint Mortgage Funding, Inc.ISAOA/ATIM A P.O. PHH Mortgage All Rights Reserved. Get the latest business insights from Dun & Bradstreet. A mortgagee can be a bank, credit union or any other entity serving the role of a lender. Your escrow account holds money and pays the costs of these types of insurance: What is Private Mortgage Insurance (PMI)? Buy a home, refinance or manage your mortgage online with America's largest mortgage lender, Get a personal loan to consolidate debt, renovate your home and more, Get a real estate agent handpicked for you and search the latest home listings, A hassle and stress-free, single experience that gives you confidence and makes car buying easier. Mortgagee Clause Definition. [], n oi hin n a i hac yu ui, bi m oi n; n oi hoan un a i hac hu hc, bi m oi bi. Box 7433, HSBC Mortgage Services Its Successors and/or Assigns P.O. Let us know if you want to apply additional principal or escrow to your payment. For over 30 years, PHH Mortgage has provided industry-leading mortgage services and helped countless homebuyers and homeowners find financing solutions to meet their needs. Box 57060 Irvine CA 927619 800-669-6607 800-520-5019, Bank of America, NA 173 (other types of loans) ISAOA/ATIM A P.O. Contact Us Box 2975 Corapolis PA 15108 800-933-2890 803-462-8000, Raintree Mortgage Services9488 W. Flamingo Rd. Instead, use the information as a reference to get you closer to where you need to be. We make solar possible. Although you now understand the basics of mortgagee clauses, there are still some unfamiliar terms that youll find in the clause. This site is not authorized by the New York State Department of Financial Services. 10951 White Rock Rd., Ste 200 Here are the details for some major lenders in the United States. It protects the mortgage lender if the account goes into default or foreclosure. Visit the Frequently Asked Questionssection for more common questions and answers. A kick-out clause allows sellers who have accepted an offer to continue showing their home. PHH Mortgage is a wholly owned subsidiary of Ocwen Financial Corporation, and helping homeowners and communities is what we do. Ti D i i , ngy 15/5 u 2023, i i D i i . NMLS #3030. Service will resume Sunday, July 2nd, 2023 at 12:00 PM Eastern time although it is possible systems will be available sooner. All rights reserved. Technically, the two are not the same, but they are often used interchangeably. If you have a home loan, you must have adequate insurance to cover the structure against potential loss. Many lenders require borrowers to have a mortgagee clause, and itll be a part of the loan under their property policy, issued by the homeowners insurance company. loan type. 3000 Leadenhall Rd New Jersey, Mt Laurel Township 08054 United States Complaints Contacts PHH Mortgage phone number +1 800 449 8767 34 28 PHH Mortgage website www.phhmortgage.com What are PHH Mortgage's email addresses? PHH Mortgage Welcomes Reverse Mortgage Borrowers! When you need a team dedicated to great customer service, stop by CheckSmart. Personal and Household Goods Repair and Maintenance Machinery, Equipment, and Supplies Merchant Wholesalers Other Miscellaneous Retailers Commercial and Industrial Machinery and Equipment Rental and Leasing Agriculture, Construction, and Mining Machinery Manufacturing Building Equipment Contractors Other Specialty Trade Contractors Automotive Equipment Rental and Leasing Box 100562 Florence SC 29501 803-929-7900 803-929-7945, Fifth Third BancorpISAOA/ATIM A P.O. Box 24606 West Palm Beach, FL 33416 Phone (866) 503-5559 CustomerAssist@phhreverse.com Hours of Operation, Eastern Time: Monday-Thursday: 8 a.m. to 8 p.m. Friday: 8 a.m. to 7 p.m. Additional information on reverse mortgages The Consumer Financial Protection Bureau's (CFPB) Reverse Mortgage Discussion Guide Box 1504. The operations of the Company shall be governed by the laws located in the State of Governing Law and in accordance with this Agreement as follows: Most comprehensive library of legal defined terms on your mobile device, All contents of the lawinsider.com excluding publicly sourced documents are Copyright 2013-, REMIC Administrator: Residential Funding Corporation, Hospitals of Ontario Voluntary Life Insurance Plan, Amended and Restated Limited Liability Company Agreement. Topfoodstoragereviews.com is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. 15/5, VD Xo, CcUBD x S (V,i) co bi,iiii, cu b SM S (12ui)c 40riuv 200 ko cccomi. D , [], A cg c gh g h l do y gi n g on hc phm him ha c, phn hi hc r s m ra. Box 94087 Palatine, IL 60094-4087 HELOC Accounts Ti Qung Tr, vng t min Trung qunh nm nng gi, [], g b xa c cu: Con gi i ly cg gn, c bt cah cn cg mag sag hg u i ly cg xa h c ki c m cn cg gp m hau i 1 ln. Plaza Home Mortgage - Customer Service Another acronym commonly found in the mortgagee clause, which may be used in conjunction with ISAOA, is ATIMA, or as their interests may appear. This term is used to extend the insurance policy to include insurance coverage for other parties with whom the mortgagee tends to do business. Investor Services. Here are the details for some major lenders in the United States. JPMorgan Chase Chase Home Finance LLC ISAOA PO Box 47020 Doraville, GA 30362 Chase Manhattan Mortgage Corporation ISAOA/ATIMA P.O. A hazard insurance or homeowners insurance can offer adequate coverage to your lender a.k.a. Access Insurance Policy Information. PHH Mortgage Corporation, NMLS ID #2726, March 1st - Welcome Gold Star Mortgage Financial Group Customers, March 1st - Welcome Rushmore Loan Management Services LLC Customers, Flood (if required in your propertys area), Private Mortgage Insurance (PMI) (if required), Mortgage Insurance Premium (MIP) (if required). Mc d cch xa hau kog cch a l hg h hg b m dh co [], Cn tn hm a n p n Ct Tn s n T Dn T n 12 n p y, t tn t t Dn n n n . Lender's Mortgage Clause List, Mortgagee Address, ISAOA/ATIMA ISAOA is included in the legal description just to ensure a smooth transition of mortgagee rights in such events. customercare@mortgagefamily.com or call our Customer Care Department at 1-800-449-8767. 2023PHH Mortgage Corporation. PDF ISAOA City, State Insurance ATIMA Address Zip Dept Phone A How to Contact your Lender to Pay off Mortgage Early? Lets take a closer look at what it is, so you have a clear understanding of how it can impact you and your lender. CustomerAssist@phhreverse.com. One such measure is the mortgagee clause. c mm ci vi cu b 12 ui i c c u 2.000 /vi ui i , Tc i i dh 10 h c 8 i y gi hay i v mh, 6 (14/7/2023) 12 : , MO , HN , S h m, BS h r h h g h l c 6 m cg h dy sg: Ngm l q g, Gi Qug Tr c 8 c co gi to tc s v c : Sut g m ui co c, s u m trog g g, Ch i ly cg x mi hiu: Thg co gi, b m gi ghm c ku gi co co, Ngy T y y, y y Ct T t , s t t t y , T 18 v 3 , PH Q RONG M AY . If youre a mortgagor, or youre soon to be one, its vital that you have a strong understanding of all the contractual provisions that could have an impact on you and your real estate transaction. In the case of a loss payable clause, the insurer may deny the benefits of indemnification to both the owner and the financial institution having a lien on the property. Monday through Friday, 8:00 a.m. - 9:00 p.m. Eastern Time. What Is A Mortgagee Clause? | Rocket Mortgage Ni i D [], Su ki cu cuccu b 12ui iccu kimivuiic cisrmxi,iuomi. In the case of a loss payable clause, the insurer may deny the benefits of indemnification to both the owner and the financial institution having a lien on the property. Read our guide to escalation clauses and find out. Corp NMLS#3013 (For licensing information, . Box 10430 Van Nuys CA 91410 800-766-4622, Homevest Mortgage CorporationISAOA/ATIMA 188 Needham Street Newton MA 2464, HSBC AutoISAOA/ATIMA 188 Needham Street Newton MA 2464 866-435-7085, HSBC Mortgage ServicesISAOA/ATIMA PO Box 47207 Doraville GA 30362 866-435-7089 617-796-8990, IndyMac Bank FSB (Arizona)ISAOA PO Box 2971 Phoenix AZ 85062 866-8068177 866-806 8177, IndyMac Bank FSBISAOA ATTN: Escrow PO Box 4045 Calamazoo MI 49003 800-343-5756 866-806-8177, Ignite Funding LLC6750 Via Austi Pkwy 230 Las VegasNV 89119 702-739-9053, Leader Mortgage ISAOA/ATIMA 180 Massachusetts Avenue Lexington MA 2474 415-767-0878, Long Beach Mortgage Company ISAOA 7887 E Bellview 725 Englewood CA 92619 714-939-5200, Lending Home Funding Corporation ISAOA 315 Montgomery ST 16TH Floor San Francisco CA 94104 800-314-5263, Land Home Financial Services, Inc. 1635 Village Center Cir 280 Las Vegas NV 89134 702-789-6120, Loan Mortgage1601 S. Rainbow Blvd. This ability to assign rights to another party allows the mortgagee to sell the mortgagors loan on the secondary mortgage market. The company will need to document who has the lien within the policy. Bulletin 2023-028 Mortgagee Clause Update | Newrez Correspondent All rights reserved. All content provided on this blog is for informational purposes only. Corporation, etc The Buyer is a corporation (other than a bank, savings and loan association or similar institution), Massachusetts or similar business trust, partnership, or charitable organization described in Section 501(c)(3) of the Internal Revenue Code of 1986, as amended. ISAOA stands for Its successors and/or assigns. Lending services provided by Rocket Mortgage, LLC, a subsidiary of Rocket Companies, Inc. (NYSE: RKT). However, it is only appropriate to learn a few things about a mortgagee clause before you can actually use it. As a borrower, you only need to tell the name of your lender when you buy an insurance policy. PHH Mortgage Disclosures PHH Mortgage offers industry-leading mortgage solutions for the entire mortgage lifecycle including correspondent lending, MSR/Co-Issue, subservicing, commercial servicing, reverse mortgages and portfolio retention. Group Life Insurance Plan Section 1 - Eligibility Regular full-time and regular part-time employees who are on staff January 1, 1979 or who join the staff following this date shall, upon completion of the three-month probationary period, become members of the Group Life Insurance Plan as a condition of employment. 1100 Virginia Drive, Suite 125, Fort Washington, PA 19034. Box 5452 Mount Laurel, NJ 08054-5452 Payment Addresses Regular monthly payments can be sent to the following address. A mortgagee clause is a protective provisional agreement between a mortgage lender (the mortgagee) and a property insurance provider. Our summit funding mortgage was acquired by Phh Mortgage services in February 2023. since this inception we have had ongoing problems with our payments being accepted and . PHH MORTGAGE - Springfield, Ohio - Mortgage Lenders - Phone Number - Yelp Mortgagee ISAOA and/or ATIMA City, State Zip Insurance Dept Phone Aames Home Loan Inc. ISAOA/ATIM A Irvine, CA 92619-7093 ABN AMRO Mortgage Group, Inc ISAOA/ATIM A . Rocket Mortgage lets you get to house hunting sooner. PHH Mortgage, a subsidiary of Ocwen Financial Corporation (NYSE: OCN), is one of the largest servicers of residential mortgages in the United States. N H : 4 i i i , 7 DL 2023 i . PDF Loan Submission Requirements Our location in Springfield, OH on Limestone St. is conveniently located and the team can offer financial services you can count on. A mortgagee can be a bank, credit union or any other entity serving the role of a lender. Tn n mi, 3 n p y n Tn T , l n , t n n. In the process of drawing up a contract, mortgage lenders (also known as mortgagees) put in place certain measures to ensure that the collateral for their investment your new property is protected. The legal description of the entity that has financial interest in the property that you have bought with its money is what is referred to as a mortgagee clause in insurance papers. To discuss your options and/or start the removal process, email us at Phong Thy Vit Nam Box 2082 Milwaukee WI 53201 702-889-3290, US Bank NAISAOA PO Box7298 Springfield OH 455011-800-365-7772 937-327-7707, Bank of America (formerly Countrywide)ISAOA PO Box 961206 Fort Worth TX 761611-800-669-6607 800-293-8158, Wachovia Mortgage CorporationISAOA/ATIMA P.O. Limited to 3 agents per lead 14 days Starts Now Wells Fargo Home Mortgage ISAOA/ATIMA PO Box 5708 Springfield, PNC Bank, N.A., ISAOA ATIMA, P.O. It often forms a part of the address that a bank or financial institution provides as a mortgagee clause. investorservices@ocwen.com. This type of clause safeguards the lender from incurring financial losses in cases where the mortgaged property becomes damaged, as it requires the insurer to guarantee payouts when any claims covered by the property insurance policy are made. Box 35210 Lewisville KY 40232 206-490-2000, Washington Mutual Bank, FAISAOA/ATIMA P.O. OnlineMortgageHub.com makes no representations as to the accuracy or completeness of any information on this site. MIP is a type of insurance required on all Federal Housing Administration (FHA) loans. A mortgagee is someone who lends you money to buy a home. As an Amazon Associate I earn from qualifying purchases. Property insurance includes a few different types of policies, including homeowners insurance, renters insurance and flood insurance. All rights reserved. Twice-a-Month Payments - Budget your payment amounts by splitting your monthly payment amount into two payments. Liberty Reverse Mortgage 10951 White Rock Rd., Ste 200 Rancho Cordova, CA 95670 (Map) 866.871.1353 FHA Sponsor ID: 3027510460 File Submission Fax: 866.234.9844 Email Lender Support Phone:866.871.1353 Fax: 866.375.6139 Email Loss Payee/Mortgagee Clause Liberty Reverse Mortgage, ISAOA 10951 White Rock Contact Us Read More $12.99 a month. However, we can not promise that all information is accurate or has not changed. PMI can be removed, but certain requirements apply depending on your loan type and state, federal and investor guidelines. Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time. For over 30 years, PHH Mortgage has maintained our commitment to offering innovative servicing and lending solutions to our customers while providing an unwavering dedication to customer service, and ethical and responsible practices. Box 24645 NCL CORPORATION LTD a company incorporated under the laws of Bermuda and having its registered office at Xxxxxx Xxxxx, 00 Xxxxxxxxxx Xxxxxx, Xxxxxxxx XX 00, Bermuda as guarantor (the Guarantor); Real Property Holding Corporation The Company is not and has never been a U.S. real property holding corporation within the meaning of Section 897 of the Internal Revenue Code of 1986, as amended, and the Company shall so certify upon Purchasers request.