I did some research on PHH Mortgage, and it does not appear they do have a REO department! I'm shocked, because I do know they have processed plenty of foreclosures. Perhaps they sell the properties in mass, or auction them off in batches, to another company. Some mortgage companies do that.
I hope this helps! If I can help by referring you to an agent that specializes in REOs in a particular area, please feel free to contact me!
Renee S. Drumm
Keller Williams Advantage Real Estate
"Moving Buyers and Sellers Home to the Beat of a Different DRUMM!"