The Yahoo Finance View: PHH Mortgage offers several home loan options, and its long mortgage rate locks and close-on-time guarantee are standout features. However, its loan costs tend to be slightly higher than competing lenders. PHH Mortgage is a national mortgage lender that offers many types of mortgage loans, including government-backed loans, conventional loans, and home equity lines of credit. Its 90-day rate locks and close-on-time guarantee are also notable, with the latter offering borrowers $1, ...