Important Update: The Settlement was finally approved on December 19, 2025. The Final Approval Order and Judgment is available on the Important Documents page.
What is this Settlement about?
A settlement has been reached in the class action lawsuit pending in the Eastern District of California entitled Munoz, et al. v. PHH Corp., et. al., Case No. 1:08-cv-00759-MMB-BAM (the “Action”). Efrain Munoz, Leona Lovette, Stephanie Melani, John Hoffman, and Daniel Maga, II (collectively “Plaintiffs” or “Class Representatives”) allege that PHH Corp., PHH Mortgage Corp., PHH Home Loans, LCC, and Atrium Insurance Corp. (collectively “Defendants”) violated the law which prohibits the payment of kickbacks in connection with mortgage settlement services. Defendants have denied any wrongdoing. The Court hasn’t decided who is right. Instead, the parties agreed to a settlement to avoid more litigation.
Who is included?
All persons who obtained residential mortgage loans originated and/or acquired by PHH and/or its affiliates from January 1, 2007, through December 31, 2009, and, in connection therewith, purchased private mortgage insurance and whose loans were included within PHH’s captive mortgage reinsurance agreements, including the successors, heirs and/or assigns of such persons.
What does the Settlement provide and how can I get a Settlement Payment?
Defendants have agreed to pay $875 per loan to Settlement Class Members who filed a valid Claim Form. The deadline to submit a claim was August 11, 2026, and has passed.
Your Legal Rights and Options in this Settlement
All Settlement deadlines have passed.
| Option & Due Date | Status | Event Description |
|---|---|---|
File a Claim (Postmarked/Filed Online) August 11, 2026 | Status: Passed | Explanation: This was the only way to get money from the Settlement. This deadline has passed. |
Exclude Yourself From The Settlement Class November 13, 2025 | Status: Passed | Explanation: You will get no money, but you will keep your rights to sue Defendants about the claims alleged in this case. More details on how to exclude yourself from the Settlement are available on the FAQ page. This deadline has passed. |
Object to the Settlement November 13, 2025 | Status: Passed | Explanation: Write to the Court explaining why you don’t like the Settlement. More details on how to object to the Settlement are available on the FAQ page. This deadline has passed. |
Go to The Final Approval Hearing Scheduled for December 17, 2025, at 10:00 a.m. PT | Status: Passed | Explanation: You may have attended the Final Approval Hearing. If you wished to speak at the hearing, you must have filed a Notice of Intent to Appear with the Court on or before November 13, 2025. The Final Approval Hearing date has passed. |
Do Nothing | Explanation: You won’t get money from the Settlement and you will give up your rights to sue Defendants about the claims alleged in this case. |
