PHH Corporation (NYSE:PHH) recently announced that, for the first quarter of 2009, its subsidiary, PHH Mortgage Corporation (“PHH Mortgage”), was the fourth largest retail originator of residential mortgages as ranked by Inside Mortgage Finance.¹ For the fourth quarter of 2008, Inside Mortgage Finance ranked PHH Mortgage as the seventh largest retail originator of residential mortgages.¹

Terry Edwards, president and chief executive officer of PHH Corporation, commented, “We are pleased to be among the top retail mortgage originators in the country. This ranking is a testament to our long-enduring decision to focus on traditional, conforming mortgage products and to avoid the toxic products that were a major cause of the credit crisis. We have emerged from the financial storm a stronger company that is well positioned to take advantage of future growth opportunities.”

Our Clients Agree We're the Best:

• Our on-site loan officers, processors, underwriters and loan analysts have an average of 14 years of experience.

• Convenience is our middle name with 30 Twin Cities and 17 Chicago locations.

• Client testimonials applaud PHH Home Loans: "our buying experience was a quick, easy & stress-free process," "a team-effort success story," and "the closing went smoothly and without any surprises."

Don’t trust just any company with your home financing needs.

Call a trusted name in the mortgage industry,

call PHH Home Loans today.

It's what getting a mortgage should be.

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