No Proof Required
PHH Mortgage Insurance Kickbacks Class Action Settlement
✓ Details reviewed against the official PHHMISettlement.com notice and ClassAction.org reporting · last verified July 23, 2026
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Who Is Eligible?
You may be eligible to file a claim if you:
- You obtained a residential mortgage loan originated and/or acquired by PHH (or its affiliates — PHH Mortgage, PHH Home Loans) between January 1, 2007 and December 31, 2009.
- In connection with that loan you purchased private mortgage insurance (PMI) that fell within PHH's captive mortgage-reinsurance agreements with Atrium.
How Much Can You Get?
$875 per eligible loan, paid from a fund of roughly $29.5 million. If you had more than one qualifying loan, each may be eligible. The settlement received final approval on December 19, 2025.
How to File Your Claim
Filing your claim is quick and easy:
- Confirm eligibility — a PHH-originated/acquired loan from 2007–2009 with PMI in the captive-reinsurance program.
- File by August 11, 2026 — online at PHHMISettlement.com or by mailing a completed paper form to the administrator. Class Action Buddy can auto-fill the form.
- No proof of purchase required to file; provide your loan details as requested. Filing is free.
💡 Easier way: File with Class Action Buddy
Skip the paperwork. Our app fills the official claim form from your saved profile, you sign it on your phone, and we print and post it for you.
Download for iPhone Download for AndroidFrequently Asked Questions
What is the deadline to file a claim for the PHH Mortgage Insurance Kickbacks Class Action Settlement?
The current deadline to file a claim is Aug 11, 2026. Note: claims sent by mail must be postmarked by this date, and Class Action Buddy ships claim forms with a 7-day mailing buffer to ensure on-time delivery.
How much can I receive from the PHH Mortgage Insurance Kickbacks Class Action Settlement?
The maximum payout per eligible claimant is up to $875. Actual payments may be lower depending on the total number of valid claims filed and the available settlement fund.
Do I need proof of purchase for the PHH Mortgage Insurance Kickbacks Class Action Settlement?
No proof of purchase is required — you can typically file based on a sworn statement, without receipts, photos, or product packaging. Note: some settlements still require a Claimant ID or PIN from a mailed notice; if this one does, it will be shown on the official claim form.
How do I file a claim for the PHH Mortgage Insurance Kickbacks Class Action Settlement?
You have two options: (1) Use the free Class Action Buddy mobile app — set up your profile once and the app fills in the official PDF claim form and captures your signature, then your signed claim is printed and posted to the administrator. (2) File directly with the settlement administrator using the official claim form linked on this page.
Who qualifies for the PHH mortgage insurance settlement?
Borrowers whose residential mortgage loan was originated or acquired by PHH (or its affiliates) between January 1, 2007 and December 31, 2009 and who bought private mortgage insurance that fell within PHH's captive reinsurance agreements.
How much does it pay?
$875 per eligible loan, from a roughly $29.5 million fund.
What is the deadline?
Claims must be submitted online or postmarked by August 11, 2026. The settlement was granted final approval on December 19, 2025.
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