Mr. Cooper is one of the mortgage servicing and origination for homeowners in the U.S. It’s one of the most reputable insurance agency out there. They offer a wide variety of options for you to get some loans, whatever it might you want to choose.
Whether you consider to buy your first home or your many, Mr. Cooper is a great lender. What’s even greater than that, Mr. Cooper is super easy to access online.
Mr. Cooper Login
If you want to use the service of Mr. Cooper, you first have to enter their system. Make sure that you already an account register in their website. If you don’t, go to https://www.mrcooper.com/accounts/new. Fill out the form that is required there such as your loan number and social security number.
Those are the basic details you need to provide so they can read your records and create an online account for you. From there, create your online account for easier access next time.
You can skip the process of creating an account if you already have one. What you do is only go to their login page to access their service online. You can go directly to https://www.mrcooper.com/signin.
This page requires you to fill in your username as well as your password. If you enter the information correctly, the page will take you to your account directly. You can do all of your business today.
Some people may have trouble getting into their account, if you do, use the forgot username or password button. The button will take you to fill out your loan number, your last four digits of your SSN and your property zip code. You can reset your username and password.
Make sure to not forget about the two information, or you won’t be able to access your account anymore. But, if after filling them you still can’t get your username and password right, seek help from their contact.
If you’re already registered in the online system of Mr. Cooper, you will be able to enjoy their online service. Using their website, you can make payment much easier compared to using mailing methods. Getting help from their customer service is also going to get a reply a lot faster than others. Their website is filled with many helpful guides that will be helpful if you want to find further information about their services.
Mr. Cooper Mortgage Payment
When you take a loan from Mr. Cooper Mortgage, there are several options that you can do your payment. One of them is via online. Paying your mortgage online is super easy.
There are two selections of payment that you can choose if you decide to pay your Mr. Cooper mortgage this way. There is an autopay which makes an auto payment every month or a non-recurring time payment where you can choose to pay online once.
Autopay is the easiest of between the two if you want to use the convenient of it. This is because if you set your account to make an automatic payment every month, you won’t have to worry to ever forget to pay your mortgage anymore. Autopay allows you to make sure that you avoid late payment even if you forget the due date, or if you don’t have the time to make an effort to pay your bill. Choose this one if you want an easier life.
Even though it seems convenient, not all wanting to have an autopay as the main method that they use for their mortgage payment. Taking a big number every month might not be something that everyone would like especially if your business is mostly running on cash, or other payment methods other than your bank account.
That’s why Mr. Cooper enables you to pay a non-recurring time payment for easier payment when you need to without having to automatically take them every month.
With either online payment methods, you need to connect your bank account to Mr. Cooper’s account. You only need your account number and routing number to merge the two.
If you use their online payment, Mr. Cooper payment also provides a smart calendar transcript in which you will receive your due date, grace period, and more. So, you will always remember when it’s time to pay your payment.
Mr. Cooper Mortgage Clause
A mortgage clause is an agreement between a lender and a borrower for property insurance. The insurance usually grants special protection for the borrower so they will be set in making sure that the payment will go through till the set amount is fully paid.
When you sign a mortgage clause, make sure that you read everything that is stated. Understand clearly about the points so you know what you face ahead. If possible, review the clause with your attorney just to be safe.
To take on a Mr. Cooper mortgage loan, you should first review your credit score. Only people with a score of 620 and up that can take this mortgage service. Generally, you need to prepare for a twenty percent down payment of the price of your house to take Mr. Cooper’s plan.
However, this number can be varied depends on the house that you choose and your agreement between them. So, check your agreement to make sure you have the intended amount.
What differs Mr. Copper from other lender is the fees that you have to pay. With other mortgage plan, you most likely have to pay a percentage of the total borrowed amount. But, if you use Mr. Cooper’s service, you will pay a fixed number of fees every month no matter the loan type that you choose.
Take advantage of the service of a third party to review and inspect your intended house to make sure that what you pay is reasonable with the market price.
If you sign a clause with Mr. Cooper, you are obligated to get a rewards credit card that able you to apply points to your principal. Their customer service is also on point if you need any help in any department.
They’re based in the United States so you will be set in knowing that there will be no miscommunication and their parties. It’s a great mortgage plan for you to consider whether if you want to buy your first home or your many homes.
Mr. Cooper Customer Service
When registering yourself in any services, at some point, you may need to get reach for their customer service. This also applies to Mr. Cooper services. If you are using their mortgage plan, you may need to contact them once or twice for help, or even for confirmation about your payment or else. Not only for their customer services, you also need their contact to send the check if you choose to pay them using their method.
To get in contact for help in their services, you can reach their customer service by phone through their call center.
Their number is 888-480-2432.
You can contact them on working days and Saturday.
- For Monday to Thursday, they will be available in your service from 7 AM to 8 PM CT.
- For Friday, you can reach them for twelve hours starting from 7 AM to 7 PM
- while for Saturday, they’re open from 8 AM to 12 PM CT.
If you call them in those hours, you will be received with their customer service.
The information on their mailing addresses is also important to know. Mailing address for Mr. Cooper’s mortgage address will make you easier to send any agreement or letter that related to your agreement with them. They have created a specific address that you can go through if you need to reach them out. So, make sure that you send your business to the address that it’s meant to.
If you pay your mortgage by mail, you should address your check to their payment address. The Mr. Cooper bill pay it’s on Mr. Cooper, PO Box 650783, Dallas, TX 75265-0783. Using this email will make your payment go through a lot easier. Make sure to remember, or even jolt them down somewhere where you can remember to use them when you need to. This address is valid for their payment.
Sometimes, you need to have your mail to be read immediately, that’s why Mr. Cooper has set up an email address that you can send to if you need your letter to be reviewed immediately. Overnight mail address is available for you if you want to reach out addressed to Mr. Cooper on Lake Vista 4, 800 state Highway 121 Bypass, Lewisville, TX 75067. Send your letter there for a fast response from their customer service.
If need be, there is also a possibility to make a modification on your mortgage agreement. When you do, usually you are required to send a Mr. Cooper hardship affidavit, or more commonly known as hardship letter. If something like that happens to you, you can send them to their notice of error or request for information address. You should address your letter to Attn: Customer Relations on PO Box 619098, Dallas, TX 75261-9741. There, your letter will be reviewed by them.