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Payment process. Hi, I have an XX/XX/XXXX home loan XXXX XXXX with XXXX XXXX and XXXX XXXX with PHH mortgage. I have had this loan with PHH since XXXX for XXXX on a fix rate. I have been paying XXXX a month for the last 17 years. I called the other day to see balance and they tell me that I owe XXXX dollars. So, I ask because I had a loan modification in XXXX and the rate was to go down so I don't understand how it is I owe that amount when I have paid over XXXX dollars. I need help understanding and making sure that this is correct.