Mr. Cooper Reviews

My concern is that I was told that I would not have a payment until April, not true March. I was also told that I would need to bring X dollars to closing then I was told something different, I protested and it was changed. Two reps telling something different. When I sell this house and buy another I will not go through Mr. COOPER.

I was on a variable and had my mortgage refinanced under Mr. Cooper. Their reps were very professional and they gave me excellent guidance. We went verbatim and they explained everything. My first month is also free! Mr. Cooper is great.

I previously had a mortgage with Mr. Cooper and refinanced my house with them after they switched over. It was a lengthy process, but it was an awesome experience. I felt comfy with the person that I was mainly dealing with. Everybody that I dealt with was kind and courteous. Every time I've spoken with them, they’ve treated me with the utmost respect. They kept me updated on what I needed. They’ve been totally friendly and patient and they answered all my questions.

Refinance started good. Then It got long longer... etc. The for the cash out I got late so low I have to pay interest and late fees for the cards. I am payoff. March is now 2nd month for late fees and Interest! I got cash out to pay off cards. Which now I am super late on!!!!

I was confident with my reps and I felt good about their knowledge of the process. The first one I had was really nice, simple, and talkative. He talked me through all the internet stuff. A lady then took over, and I never had any questions because she was there supplying me information. It was super simple. I had a higher rate on my mortgage and I was able to lower it. Mr. Cooper is quick and efficient, and their people are very good communicators.

There was a promotion that I had and I got a call from Mr. Cooper. The reps walked me through the process. I talked to two individuals. Lisa was the one who processed the application and Cassandra was the closing officer. They did what they had to do. They got me the rate that I wanted and I liked that it was the new digital way. I was set on one specific way but I asked them to give me a couple of options. Those options were very close to my original one and I stuck with the option that I wanted. The rate I have is lower and I’ve got a couple of refunds of escrow. Mr. Cooper was great and it was a very seamless process. It was a huge time saver and different from other mortgage refinance experiences. Also, they came to me to close which I appreciated.

I received a notice that our Feb. payment had not been received. It had been transferred on time as always. When I called Mr. Cooper, I was told that payments had been increased by $108.84 and they would not accept our partial payment of $2361.41 and even sending them the $108.84 they would still be charging late fees and penalties. We will be refinancing elsewhere.

My loan specialist at Mr. Cooper was kind, knowledgeable, and efficient. I refinanced my home and the process was seamless. We closed the loan in 30 days which was awesome! Mr. Cooper is a great company and do their best to serve clients.

Pretty good experience, except the one lady's mailbox always full, could not leave a message. One time I did, when we talked live she said she received my message, and if she did it was obvious she did not pay attention, because she did not seem to have the information and asked the same questions all over again.

Mr. Cooper did a good job for me and I would recommend them. I called them after I got their enticing mail piece and the rep answered my questions and our interaction was very professional. I was getting them to consolidate my debts and I got the information such as the interest rate, what the payments would be, what financing options they had and decided to move forward. It was a simple process. I, however, have received automated emails after my account was already set up from them that didn’t make sense. I continue to get two to three automated emails from them that were similar to the emails I had gotten during the process and it was a bit much. I don’t think they should have gone out once the process was finished. So I inquired about that with the gentleman that helped me and he told me that I could ignore the emails.

My original mortgage was with Nationstar then when it became Mr. Cooper, they offered to refinance my old mortgage. We refinanced the loan when the mortgage went up a little bit. Our mortgage professional was Irwin and he was awesome. He was so patient. He explained to us everything that we needed to know about the refinance as we didn’t know anything about it. Also, he was very personal to us and every time we had a question, he made time to talk to us and answered everything. He helped me out a lot so I appreciated him very much. Being a new homeowner, I didn’t have enough money in my Escrow to pay my taxes. Mr. Cooper helped me out with the refinance and they were able to roll over the old Escrow amount into my new loan. It wasn’t too much of a burden for me and we'll see the benefit in the long-run. Mr. Cooper has been awesome and I’m a very happy customer. I hope they continue like that.

Our mortgage was transferred to Mr. Cooper and they sent us some information encouraging us to look into refinancing, so I did and it was favorable. Everything went very smoothly and easily. Everybody was pleasant to talk to. They were always very courteous, friendly and clear. They answered any question that I had. The only thing that wasn't smooth was the escrow information for our escrow payment. For some reason, they didn't have the correct payments that would have come from some department. But that has already been settled and everything else was very easy so we really appreciated that. I got a lower rate on the refinance and it has cut eight years off our loan. Everything has worked well.

I financed with Citibank and then they sold the paper to Mr. Cooper. The house that I financed is my daughter's house. I co-signed four years ago and I have it listed as rental property. But I've never made a dime on it, just the opposite so I was trying to get the payment, the taxes and the insurance all rolled into one payment for her so that I wouldn’t have to pay them at the end of the year. Everything went well with Mr. Cooper. They were courteous, informative and they put it together to where it was what I was looking for. So I was happy with the experience. They've done a good job for me. I was pleased with their help and their assistance and I would recommend them to others.

Mr. Cooper sent me a notice in the mail stating they had taken over my payment from Nationstar. They asked me if I was willing to be a candidate for refinancing, and I said yes. Their reps have been very nice about everything and they were able to answer all the questions that I had. I would have liked for there to be less paperwork to sign though. It was about a good 30 minutes just to sign the papers, but it was easy. After that, I had to wait about a week for processing. All of it was drawn up very fast. It was perfectly nice and it was very comfortable for me. My payments are a little lower now which is wonderful. I would recommend them highly.

Just imagine everything that goes with having a mortgage. These people make it ten times more stressful than it needs to be. They are always late paying the premiums for homeowners insurance which they collect from me. Since I refuse to subscribe to "paperless billing", they occasionally forget to send my monthly statement. When they do forget to send the statement, it takes an act of Congress for them to correct their error. And we all know how well Congress works. You will never be able to accomplish anything using their website. I don't even know why they have one. Any problem will take a phone call and a substantial part of your day on "hold".

Cindy ** and John ** demonstrate the quintessential professionalism and customer service. While that sums up my five star rating, I would be remiss not to speak to the attention-to-detail and the due diligence of these two individuals, all under applicable industry guidelines and requirements, which was executed with propriety and candor. During our VA refinance process, John ** and Cindy ** pursued issues and when applicable, which when required, was in concert with Title365. Their determination to bring my VA refinance application to fruition is a superlative example of how a team achieves success.

The reps I spoke to, Elliot and Julie were phenomenal, they both treated me with respect... I realize the consumer is responsible to gather the proper paperwork and send it to the reps, I did this in a timely and manner and both reps completed what I needed to complete to have my refi finished in a very short period of time. They kept me apprised of the process and asked questions that kept it moving at quick pace. They represented Mr. Cooper with honor and distinction.

I bought my condo three years ago. I’ve asked my realtor guy a while back about the rates that were going down because I had been wanting to refinance to get a better rate. Someone from Mr. Cooper called me and told me that they could get me a lower rate and that they could also get me into 15 years which was what I wanted before. It seemed to fit into my budget so I said, "Okay, let's talk." I dealt with two people and they were really good. I was on the phone with them a lot of times and they answered my questions. This is the first two weeks since we refinanced with Mr. Cooper and so far, they're doing a better job than most lenders. I like the electronic stuff and how they try to get away from the papers. And they always seemed to get back to me right away. I would recommend them and tell my friend to give Mr. Cooper a try.

We felt that we needed to refinance our old mortgage to get our finances back on track and It didn’t occur to me to choose anybody else aside from Mr. Cooper. Everybody at Mr. Cooper was very nice. They were professional, courteous and pleasant. The way that they discussed the options with me was straightforward. They directed us in the right way because we had a second mortgage and a huge credit card bill and we just put those on the loan. I was happy about that. Now, I don’t have to scurry around trying to pay those. My experience was very smooth from the beginning to the end and we quickly got our loan within a month.

My previous mortgage was bought by Mr. Cooper. I have an escrow account and every month I get a higher payment. In the 15 yrs that I owned my home I've always had the same mortgage payment. I was told my mortgage would be this amount and they are charging me a different amount a higher amount. My payments get drafted from my account by an Equity Accelerator program. I recently found out my previous mortgage Citimortgage didn't pay my homeowners insurance. I am so upset and have decided to go through an attorney to get everything settled. I have never been so upset about a company. I don't understand how a company can charge a individual a higher amount every month. And where did my escrow money go if Citimortgage didn't make payment? I will get answers and maybe everyone who has had troubles should seek legal advice. I am tired of companies taking advantage of people like me honest people.

Before Nationstar changed their name to Mr. Cooper, I’ve had my account with them. I took my loan out years ago with Bank of America and they sold it to Mr. Cooper. Our old mortgage was too high and it made me inquire about refinancing. We had a very good interaction with their mortgage professionals and they did everything they said they were going to do in a timely manner. When we were discussing the refinancing options, I just call them up and told them, “We got an interest rate.” And we run my credit, and we refinanced. The timeline went very quick and they did a good job.

We were Nationstar customers and we got passed over from EverHome. Everything went smoothly with Mr. Cooper. Everything they said was true and everything happened in a timely manner. They told me what the interest rate was going to be and we locked it in on that day. The refinance process timeline takes four to six weeks and they did ours in 20 days. They manage to lower our bills and got us what we needed. Everything was done over the computer which is perfect for me. A lot of people wouldn't think that but everything was digital, all the signing and stuff except for the final closing. Mr. Cooper is a reputable company. They do what they say.

I got a good experience with Mr. Cooper so I continued with them and refinanced my old mortgage to have a lower interest rate. Their staff was fantastic. When discussing my refinancing options, they were very cordial. I would recommend them.

We had our mortgage with Mr. Cooper and recently, I refinanced the mortgage. As long as they can match the rate that I receive from other institutions, I’ll go with them. Also, I didn’t want the rate to go up. I hesitated at first to go with Mr. Cooper because when we first engaged refinancing, I called in and they gave the information to some person who was like, “Well, you need to call me back at this...” I was like, “I’m a customer here.” I wanted to do the refinance three months prior but because of that experience with Mr. Cooper’s initial call and because they didn't keep track of who I was assigned to, I was a little put off.

I had Nationstar originally and I refinanced. Mr. Cooper has a cheaper interest rate and they were good. But it took too long and the process took at least three months.

My mortgage swapped over to Mr. Cooper and then I did a refinance with them. I received a flyer with my billing for the mortgage that I get every month and there was something in there that says I may qualify for a lower rate. I inquired about that and it was a bit of a saving there and it worked out. The interactions with the reps were excellent and everything went great and quite smooth. They were very informative, even about the money. I got to lower my payment a bit, which wasn’t significantly huge, but I was able to knock off a few years of mortgage payments. So, in the long term, refinancing my loan was beneficial.

Mr. Cooper, my mortgage company, has lower interest rate so I inquired about refinancing. Their reps were very courteous and very helpful. They explained everything to me and told me what I had to do and I got it done, and they got their part done too. I now have a lower payment, lower interest rate, and a better life. Everything was on time and proper, and a hundred percent what I expected.

My house payments were switched over from a different bank to Mr. Cooper. I was interested in finding out if I could lower my monthly payments and my interest rate so I called Mr. Cooper. My interactions with their reps were easy and convenient. They were knowledgeable, helpful and they were eager to help me through the process.

Mr. Cooper sent an email talking about refinancing and when I called them, the rep answered every question I had and did what was convenient for me. Mr. Cooper bought my loan sometime last year, and the interactions with the mortgage professionals as well as the guidance I received when discussing my refinancing options were both good. I only have positive things to say about Mr. Cooper.

I was refinancing my variable mortgage to a fixed 30 year mortgage. The entire process took a little longer then I expected. The underwriters seem to make things much more complicated than usual. In the end, all went well and all the terms were delivered as promised.

I was with Nationstar, which was changed to Mr. Cooper, and I called them about my insurance not being right. The girl I spoke with told me it was a good time to refinance since I had a variable rate. I agreed with her since the interest rate kept going up every year. I filled out a questionnaire which I don’t normally do but I only did it because their reps were so good. They were all great, very professional and timely. They did exactly what they said and followed through. They also provided good guidance during the refinancing. I like the fact that my interest rate won't go up and my payments went down a couple hundred. But I’ve had second thoughts because you can get financed without paying the closing cost but I paid the closing cost. So, that didn’t appeal to me but they just made it so simple that I didn’t argue with it and I don’t plan on keeping the property anyway. Mr.Cooper did everything about the lending process perfectly.

Chase sold my mortgage to “Mr. Cooper” who was supposed to continue my auto debit plan. I had a previous auto debit, which I paid for, with the original lender. I called “Mr. Cooper” to confirm this a month prior to first payment due date. Month comes and goes. No debit occurs and I get a bill which is now late. I can't email to put all this in writing b/c there IS NO EMAIL for correspondence. Thus, my phone call confirming the friendly voice on the other end confirmed my auto debit program was in effect, cannot be verified. I am afraid to look at my credit report now. I need to refi this loan as I don’t trust “Mr. Cooper”.

I was talking to another company about refinancing and they weren't really providing me with the service that I felt that they should have. Since I was struggling with the other one, I decided to give Mr. Cooper a call to see if they could do a good job and they did. The people of Mr. Cooper were on top of everything. They started everything in motion very quickly and every step of the way was taken care of. Their rep, Kyle, was who I spoke with initially and he was very energetic and excited. He gave me all the information for what I needed to do. I wanted to go pretty quickly and he made sure that everything was done. I went to see the underwriters next and they were very quick and responsive. They were able to meet my deadline which I was very grateful for.

Mr. Cooper called me and said that I would qualify for a refinance. I’ve had trouble in the past qualifying but they said they wanted to look at it again and see if we could get it to work out. They did a better job than back when they were Nationstar with helping me and actually finding something that works for our situation to refinance and get the mortgage down to where it was manageable. Nationstar would always tell me that I had too much debt to refinance. They didn’t really try to look for other options that would work when we tried the last time. It was like they looked at one route to take and that was it.

The experience was fast. It was totally done over my phone and internet. The Attorney even came to my house at 6.30 pm to do the signing. Never seen this before. The Mr Cooper Employee were very helpful and friendly. Loved my experience with Mr Cooper.

Refinancing was something I was considering. I was with CitiMortgage and my mortgage got sold to Mr. Cooper. During the transfer, I inquired about doing a modification. I was informed that because I haven't had a home loan with them in one year, I couldn't do it. At that time, I thought of reaching out to somebody else because that didn't make sense to me. My loan was just acquired by them and they could see good payment history.

I was thoroughly satisfied and impressed with the professional performance of Rita ** and Cindy ** during the entire refinance process. Both were extremely knowledgeable and capable. The entire process was conducted electronically, professionally, seamlessly, and swiftly. Even the closing was conducted from my work travel location.

They are very professional. Met all my needs, answered all my questions and kept me abreast of every step of my refi. Their customer service is always very pleasant and efficient. I am very happy with all their services they provide and would highly recommend them.

I bought this home through Countrywide in 2004, it was sold to Bank of America and has been many years now with Nationstar/Mr. Cooper. I had two modifications one in 2009 and another in 2015. The last one was completed in Dec. 2016 and the interest rate jumped to 4 and 5% to almost 4500 a month and thereafter almost 6k. So, 8 months before new payments were going to be due, I asked for a modification or some lesser payment but they denied me and then approved me for an amount that was close to 4400. I called, wrote, faxed that trial payment was still too high.

When I moved to Texas, I had someone who helped me find financing. He highly recommended Nationstar so I started working with them when I was bought a new house. I just refinanced with Mr. Cooper currently. I called Mr. Cooper that I wanted to refinance. I first talked to John who explained everything to me. He took all the information and everything that I needed and got me started. After I signed their application for refinancing, I was passed on to Steven who did the processing. I signed more documents that I needed to be done then he came back with the fact that they have approved the refinance. The process was really quick and easy. They finished the refinancing within two weeks when I thought it would be at least a month.

The representatives from Mr. Cooper were great. Michael ** and Juliann ** were so knowledgeable and helpful with our refi. They got back to us and answered our calls and emails in a timely manner. It was wonderful dealing with them. Mr. Cooper is great to deal with. This is our second refi with them and we are very happy with their customer service.

I just went through a refinance with Mr. Cooper. They offered the HARP program wherein I didn't have to go through a lot of paperwork and appraisal amount for them to do that, so I decided to go with it. The mortgage professionals responded very quickly and were on top of everything. I just came out to sign papers and eerything went really smooth. The program saved me quite a few hundred dollars a month on my mortgage when all I did was extend my mortgage to another 30 years. I continued making my payments and now I haven't made my first payment yet on my new loan. But they've already sent me my coupon and I'm ready to go. Mr. Cooper has been doing a fine job. I would definitely recommend anybody who would benefit from the HARP program. In fact, I've told my sister to call them and Mr. Cooper said they'd be glad to help her.

My loan was sold to Mr. Cooper this fall and has been a nightmare. Despite having a full escrow account, they have been unable to pay my property taxes as they are required to do. I have called many times, spoken to supervisors, and no one has a good idea what is going on. I finally paid myself to avoid a late fee by the city, but I have been unable to get paid back by Mr. Cooper despite their having promised numerous times to do so. At this point they are illegally holding my money and I am out nearly $1000 which is no small amount. This company is at a minimum incompetent and mostly like unethical and committing a crime.

Nationstar was originally my mortgage company for about six years. Since I was already set up in the system, it was easiest for me to go through Mr. Cooper. I had a good experience with their mortgage professionals. Although there were a couple hiccups that ended up having a little bit of back and forth on, they were nothing too serious. Ultimately, it was a comfort factor for me having my mortgage through Mr. Cooper.

Here is what my experience working with Mr. Cooper can teach others: Expect contradictory information - when you have to deal with them, do so in written form (i.e. avoid customer service via phone). Don't expect them to answer - I wish I had advice for what it takes to get an answer or resolve an issue. Their customer service is more interested in selling refinancing than answering questions or providing solution to the problem.

I had an existing mortgage with Mr. Cooper and I just did a refinance. Their mortgage representatives were very helpful. They financed everything exactly when they said they would and followed exactly what they said they would do. I've done 10 mortgages and between mortgages and refinances, it was absolutely the smoothest and the most efficient mortgage I've ever done. Everything has been set up. But, the only part they didn't explain to me really well was the way they got me the interest rates that I wanted. I knew it was paying for point and I figured it out while I was reading one of the closing documents. At that point, I didn’t care but it would have been noble to know at the beginning. We just refinanced last month so the only benefit so far was skipping a month of payment because it was done in the middle. Mr. Cooper was really good and I'll recommend them to friends asking about them.

Wow, where do I begin? I guess with hurricane Irma. We have our mortgage through this company and when I heard that mortgage companies were deferring payments due to our state being in a declare natural disaster area I read into what "deferred" actually meant. Some companies were deferring 3 months of payments and you would pay back at the end of the deferring period. While other companies offered the same program only they tacked on the payments to the BACK HALF of the mortgage. I REALLY wanted to make sure that if we did the program we chose the latter, because the last thing my family of full time working parents who go to school is a lump sum payment we had to pay back AFTER the three month period.

Our mortgage was sold to Mr. Cooper by CitiMortgage. During transition the previous mortgage confirmed they would auto draft last payment send to new company. That draft never happened. Caused 1 month late in five years. Received foreclosure notice from Mr. Cooper!

I looked into refinancing my old mortgage to reduce payments. The people at Mr. Cooper, my mortgage lender, were very professional, and they guided me through the basics, such as the interest rate and payment. My interaction with the reps during the refinancing process was smooth. Mr. Cooper did a great job, and since refinancing my loan, I’ve had lower payments. I would have my friends look into Mr. Cooper too.

We experienced a house fire in March 2017 that caused extensive damage and required our house to be gutted to the studs. The insurance company, after dragging their feet for two months, finally issued a repair estimate and a check made payable to myself and Nationstar, now Mr. Cooper. The estimate without depreciation was $158K and $220K with depreciation. Nationstar issued me a check for $40K to rebuild to 50%. How in the world am I to rebuild my house with $40K?

The star system does not allow negative star ratings, that is why there is one star. The errors made on my account are too numerous to recount here. We are only in the first week of February 2018 and I've been involved with Mr. Cooper (how is this the name of a financial institution?) only since December 2017. I will simply say that this company does not care in the least if they occupy 100% of your time keeping track of their errors. They bought my mortgage and in the few months I have been with them, they caused me to lose the H06 insurance policy I had for twenty years because they did not pay the bill, and then they had the temerity to demand that I pay for more insurance than I have with the new insurance company I was forced to buy.

I've refinanced my old mortgage to have lower interest rate. The guidance I got from Mr. Cooper was very good. Their mortgage professionals were easy to get a hold of if I have questions. My experience with them was pleasant and very business-like. They were respectful. I'm hoping lower interest rate at shorter time on our payments. I would tell my friends to look into Mr. Cooper if they are in the market to refinance their mortgage.

I see by reading the reviews here, I’m NOT the only one with a payment kicked out and belligerence when attempting to get answers. Please, save your immense frustration and DO NOT sign on with this company if you can help it. I made a payment in December through an email. I had not signed into their ALL NEW system yet, when it changed from Nationstar to Mr. Cooper. The payment was kicked out, I was given NO NOTICE the payment did not go through. When I saw if hadn’t gone through I made another payment and asked them to refund my late fee, and or research why the payment was kicked out. Refusal to do anything at all except send letters saying, "You weren’t charged a late fee," (really?) and, "Your payment did not go through so we won’t give you a refund." Is this just sheer ignorance or inability to actually do their job? I’m hating this company a lot.

I already had a mortgage with Nationstar, now Mr. Cooper, and the interest rate goes up and down. I kept hearing that interest rates were going up, so my daughter called in to inquire about refinancing. Their reps were professional and were never pushy. They did a fine job. The guidance I got was like day and night compared to the original mortgage. They gave the truth ahead of time and it turned out to be exactly the way it was which was the exact opposite of my first mortgage, so I appreciated that. The amount of money they told me to bring to closing was exactly what they wanted. They lowered our mortgage by 400 dollars a month. I had an excellent experience on both my part and my daughter's part because my daughter had to sign everything too and being in two different cities was a hassle for them, but they did a good job.

Watch your back with this company. It is a collection agency and they are out to get as much money as possible from you. Unfortunately my loan was transferred to Mr. Cooper from Citibank, with 1 payment left. I called Mr. Cooper and asked if they would honor Citibank Payoff quote. They said yes. I sent them a check with the Payoff Quote. 3 weeks with no response back I called them. The customer service rep. told me nothing had been posted, however she did a search of their computer records and found the scanned copy of the check and CitiMortgage quote. She placed an order for their research department to find out what had happened to the check. 2 weeks later I get an e-mail from research stating that they could not find any payment and to send them a copy of the cashed check. They never posted the check so it never went through the banking system. They'd lost the check.

We went through a loan with Bank of America. It's a restructuring thing where the ex-wife had forgotten to make some payments. Once the divorce went through and I got the house current again, Bank of America sold the loan to Mr. Cooper. I knew I was going to refinance due to the terms of the divorce decree. The person from Mr. Cooper was persistent, wherein, the same person called me several times. We initially talked about refinancing back in the summer, but my credit was still screwed at that time until the end of November. He was good and said that he would call me back in November to do the thing and he did.

I was looking for a lower interest rate and Mr. Cooper who is my mortgage company approached me about refinancing. Their process was very easy and we did everything on the phone in less than an hour.

I understand when an escrow account goes up slightly. I just got my new statement, which btw I have had this mortgage for years, and now my payment went up $273 month. That is ridiculous. I have never heard of such an increase. I do not recommend MR. COOPER TO ANYONE.

We were already with Mr. Cooper and occasionally, they will send an email updating me on refinancing. We got to the point when we felt we wanted to get our notes lowered and interests better. We were watching the interest rates and it seemed they were about ready to start to creep up a little bit so we went ahead, made a phone call to Mr. Cooper and refinanced. Everything went okay and everybody was polite. If we had a question they would answer it or get an answer. Their process was really easy because we've done financing years back wherein we have to go to the bank and go to the mortgage company and meet attorney’s office. So, to be cross country and doing the transaction over the phone, email or fax worked out great. We were happy with the whole process.

I’ve been wanting to refinance mine but I didn’t feel comfortable with it. During that time, when I called, it was not worth it to pay more in closing cost so I decided to wait. Then my girlfriend bought her house and I was going to co-sign but before I did that, I was told that it would be better for me to refinance my house before I do that because once I put my name on hers, I might not be able to do it. So I went ahead and refinanced my house.

As I was listening to the interest rates dropping, I decided to inquire about refinancing and went with the 7.25% interest of Mr. Cooper. I was in the hospital when some of the transaction took place and my son took over, so he did a lot of the interaction with the reps. I wanted my daughter and my son’s names on the title of the property. But when my bill came in for the past month, it had my name first and my son's name under it, but my daughter’s name wasn’t on it. I was furious about that.

I, unfortunately had my mortgage sold to Nationstar by United Wholesale Mortgage. Nationstar was so bad, they had to change their name to Mr. Cooper. If Mr. Cooper ever calls you, do yourself a favor and immediately hang up and block the number they called you from. They use SCAMMER techniques, such as changing their number often, even to local numbers, to market to you once you are a customer. So, you will end up blocking hundreds of numbers from their marketing (harassment) department.

We wanted to get a little money out of refinancing and since we were already financed with Mr. Cooper for a while now, we thought it would be simpler to refinance our old mortgage with them. So far, we have paid off some debts and we’re better off now. Marvin and Eddie, the guys we dealt with were great and very helpful. Everything was good and the process was quick and easy.

We've had our mortgage with Mr. Cooper for several years, and we asked them if we could do refinancing and they said yes. The whole process was easy, especially the paperwork. They have good customer service and they were on top of everything. We got our equity out so we could do some things to our house. They're a wonderful mortgage company to work with and we've been really happy with them. I have recommended Mr. Cooper.

Mr. Cooper, when they were still Nationstar, ended up buying my mortgage out from Citigroup. I've been receiving notices from them in the mail but I wasn't motivated to refinance my old mortgage then. But since my mortgage was already with them and processing would be easier, I finally got the motivation, picked up the phone and went straight to them. The gentlemen that I worked with stayed on top of everything. So, the transaction was easy and seamless. Dan and I ran through all of the possible scenarios and it made my life easier in terms of being able to make a decision that was best suited for my particular situation. He was more than happy to provide different options and didn't try to push me into anything. He just gave me what was available and shared the pros and cons.

I’ve been with Nationstar for both of my mortgages, and looking at the market and knowing what the value of my house was, I inquired about refinancing my old mortgage. It was an easier process with Mr. Cooper because they already have my mortgage. Their rep, Erin, was great and very thorough. It was easy and speedy to get in contact with her if I had any question. Erin gave excellent guidance and it worked out really well as I was able to keep the same amount of years and take some money out. I would recommend Mr. Cooper and I would say to my friends to call them if they're looking to refinance.

Mr. Cooper sent me an advertisement that they would refinance and everything was fine and went smoothly when we did the refinancing with them. I got a fixed loan better than an adjustable. The interest rate was a little higher, but I got the fixed rate loan that I was looking for.

They took over my mortgage loan last year and never sent me a statement. I called on several times to get a statement and they said my account info hasnt transferred over to new company and not to worry there is a grace period because of this. Finally got a statement which I paid (double) since was 2 months now. They waived late fee and said would not reflect late pay on history. Now this year I call to request to have PMI removed from mortgage and they say I can't due to late pay on account from last year. How many others are or did they do this too during transition?! Spoke to Luz and Laura in their PMI department. Both said would not remove the late pay on account... lots of notes show where I kept calling to get bills too and where they waived late fee...

My mortgage was sold to Mr. Cooper and then they sent me information on refinancing. I refinanced with them due to their customer service, and they also followed through. Everything was excellent.

My mortgage from CitiMortgage was sold to Mr. Cooper and I did a cash-out refinance with them as I needed some work done on my house. Their mortgage professionals were very good. I was very happy with the first person I talked to. He was great, patient, and very kind. The actual person that worked everything up did a great job as well. Larhonda was my closing coordinator and she was very accommodating and we had a great time talking. The title company that they set me up with was also great. However, I was not happy with was the company they set up to come out and do the appraisal. But, other than that, I was very happy with everything. The whole process went quickly which took about two weeks. I even got all my questions answered. If a friend would look for a mortgage, I’d tell them to check Mr. Cooper out.

My Mortgage sold me to this so called Mortgage Co about 4 years ago. It has been a total nightmare since. I was put on high blood pressure meds last year when it took me 4 1/2 months to straighten out one of their mistakes that cost me dearly. This year same thing they made mistake and it has taken me since Jan 4th to hopefully straighten it out. A wonderful lady named Alma in Texas happened to answer my call yesterday and promised me my account will be straight by Saturday. I am holding my breath, crossing my fingers, and praying A LOT, until I get the word Saturday. Last year when I went online to my account it said I had a shortage in my escrow. I called and called and got in touch with people who not only did not know the answers, but would make them up as they went along, to get me off the phone.

Mr. Cooper already held my mortgage but I wanted to refinance. They beat out other competitors and were not only super friendly to work with but they were thorough and efficient. I was dreading doing a refinance (my initial mortgage was not pleasant), but they made the experience so easy and convenient for me.

Other companies denied me because I didn't make enough money at that time. I was switched over to Mr. Cooper and at first, it was difficult to get a hold of someone. But now, it has been a smooth thing for me to call and be able to talk with somebody, which is also a plus if you don't like dealing with an automated machine as much as you would like to talk with someone who can understand what you're saying and also speak English very well.

Thank You Brian **, Dan ** for making our home refinance so easy. Kudo's to you! We will recommend Mr. Cooper to all our friends and neighbors. Your company is Wonderful! In fact I told my friend Lina to contact Mr. Cooper for a new home loan.

I had a mortgage with Mr. Cooper previously. I went for a refi because I wanted to reduce my monthly payment. All the relationships that I've had with the two individuals, going back and forth through the refi process, were really great. They made contact with me and got back with me every time I had a question. It was really good. The explanation of the refi was very good.

Nationstar has been in the process of foreclosing on my property in California for over 10 years. They do not follow through. Their attorneys have taken them for millions of dollars at my expense. Can someone please send me referrals for assistance. I need help.

I would definitely recommend Mr. Cooper. I had to inquire about a refinance and Elliott was super helpful and nice, he got me the best option avail to me and my hubby. He answered all my questions and then some. If he was not available, I would leave a msg and he would call back promptly. The same with email. Dan was the other rep I spoke with, again super helpful and nice. He made the refinance smooth. If I was missing anything he would be right on it to let me know, so that we could get the close done sooner rather than later. He also returned calls/emails promptly. Elliott and Dan you were our rocks thru this process, thank you so much.

I've refinanced my house with Mr. Cooper and it went really well. I was seeking not only a lower rate but I also had a car payment that I wanted to consolidate so I did that. I’m saving a little over $500 a month by doing that, which was good. The paperwork, however, was about five inches high, but other than that, it was easy to deal with them. They had somebody come out to the house and my wife and I sat down and did a lot of signing. The lady from Mr. Cooper called us frequently to see how things were going, if we needed anything or if we had any questions. I have fewer payments to make now so I don’t have to worry about another payment. I got my first bill this month and when I went online, it was already set up online because I had Nationstar before and it was the same set up. So far, everything was explained thoroughly and every time I need them I feel like I can really call them and they can help out.

I had a loan with Nationstar that I wanted refinanced so I changed my loan forms and I was able to refinance at a better rate. I had a better experience with Mr. Cooper than Nationstar since I've had so many issues with Nationstar that I wouldn't recommend them. They did not take and paid my insurance through escrow and we kept back and forth. They finally put in place an insurance, but every time we called or tried to get anybody online they tell me that they'll take care of it but then they never did. With Mr. Cooper, everything went great. Everybody involved did a great job. When the processor contacted me, she took care of everything when there was an issue. My only issue is that since my loan was direct debited I would have liked someone or at least an email asking me if I want to continue.

My experience with Mr. Cooper the second time around was awesome. It was better because they messed up on my taxes the first time. They weren't knowledgeable, so I ended up getting one of those things where the taxes are added on. It came down to where I was paying $300 more than what I had started out with and that was ridiculous to me. I should have been smarter about it and get attention to my taxes, but I trusted the people who said that they knew what they were doing and I left it alone.

Mr. Cooper bought our mortgage from another company. They kept sending me stuff and finally a few years back, we tried to refinance. It was an unending process of needing to fax more things. We didn't have a fax machine in our house and it was really expensive because we had to go all the way to another city to fax something. They promised a better experience this time and I went along with it. At first, they wanted me to fax more stuff, but then the lady said not to worry about it and that they wouldn’t need anything else. They said that I wouldn’t need to do anything other than on the phone and online. Then they said maybe I would need to fax something and then they stopped that. The only other thing we had to do was sign some paperwork with notary that they sent here.

You recently acquired my loan from CitiMortgage. You took over my loan right as my November 2017 payment was due. As soon as I was notified of this change I called to verify and make sure that there wouldn't be any penalties for late payments as I had not received any new billing information and didn't have the address available or my account number available to provide payment. I was assured at this time that I had a 60 grace period that I would not incur any such penalties. I made my November and December payment via your online payment system. When my payment was submitted I was told two separate ways (via the online system and then via email that my payment was approved), In fact I received two emails on 12/30/2017 stating that my payment had been received.

We received our 2017 Year End Tax and Interest Statement from Mr. Cooper for one of our rental companies. I noticed right away the property tax payment that they showed paying out of our escrow account was incorrect by almost 1/2 the amount as they only included our County Property Taxes and not our City Property Taxes. When I called to ask about it their answer was they aren't required to report it anyway so they wouldn't fix it and didn't care that it was incorrect. They told me I could pull the amounts from my County's website to get the amount they had paid.

Transferred to this company not of our own accord... have a yr left on our mortgage... had my homeowners ins co. Say no check for premium was received therefore my ins. lapsed. Was due on the 4th of Jan. It's the 22 and it's still missing, not a good look! Second when I call on Friday, Jan 19 they are closed due to inclement weather... what SMH. As well as today the 22nd of Jan 2018... I had trouble getting thru because inclement weather... in TX... SMH.

From start to finish they were all very helpful. It took longer than I thought as we needed water tested etc. But overall everyone we worked with could not do enough. We appreciated all the help and relief we received. Our prayers were answered.

Our experience with Mr. Cooper is EXCELLENT! The representatives that worked with us in our entire process were exceptional. The representatives were very professional and knowledgeable with the entire process. The lines of communication between Mr. Cooper and us were amazing. My wife and I highly recommend them.

I had one of those adjustable rate mortgages and I needed a fixed rate. I refinanced with Mr. Cooper had a good experience. Their representatives were very professional. If they said they were going to contact me back, they did and if they sent me something, they followed-up. If I had a question or if I didn't understand something, they were willing to explain it to me. A lot of the process was done via email and telephone. And then when I closed, I wasn't in town so they arranged for somebody to do the closing at my location.

I was with Wells Fargo and my mortgage switched over to Mr. Cooper. I called and told the rep, Anthony, that I had gotten a letter and I wanted to look into refinancing, so he guided me every step of the way and everything has been as smooth as silk until now. He was wonderful the whole time. I was paying off some debt and I mailed the payment to one of the debtors and they never received it, so I need to call Anthony about that. Nevertheless, I had a great experience even down to the traveling closing attorney that came to my house. I'm just glad I got that letter in the mail because I don't know if I would have ever thought about refinancing without it.

I needed money so refinanced my mortgage, and Mr. Cooper offered me a decent interest rate. The process has been a very easy and painless. The people have been very courteous and professional. Now I have more money to spend because I’ve paid off a couple of bills. I do not regret going with Mr. Cooper.

It was Mr. Cooper's persistence for me to refinance my old mortgage that made me decide to go for it. I was happy with how I was treated before so I stayed with them instead of switching to a different mortgage provider. Their mortgage professionals were efficient and they knew what they were doing. They answered my questions, gave me the information I needed, we proceeded and it went very smoothly. Mr. Cooper would take good care of you.

I was already a Mr. Cooper customer and then I got something about refinancing and I just proceeded from there. They were great. Their reps were on top of things and were always in contact with me. They got us a good rate, walked me through everything that I needed to know and made the process easy for me, it was painless. I used to be a realtor so there wasn't a lot of guidance needed. Since we refinanced, our credit score went up.

Mr. Cooper's mortgage professionals kept in contact. If I had questions I would call and they would call me back. Then we got everything we needed and start the paperwork. I feel very confident working with their people. Mr. Cooper handled everything I needed to know about and answered all my questions. I had a great experience with them.

After years of receiving my payment with no issue 3 months ago they claimed to have not received my payment. Each month I have had to get my bank involved to send them proof that they cashed my payment only to find that they had misapplied my payment. This continues with no apology and no recourse. It has now reached a point of harassment and the latest one is after confirming that they had my payment in full. 10 days later they send me a letter saying that my payment was partial and late payments will apply! I sent $3,770.17 and they confirmed receiving only to send me a letter saying that they are holding $779.99 and that I need to get them $2,990.18 to bring my account current. What can I do to put a stop to their incompetence.

Mr. Cooper inquired with me about refinancing my mortgage. I thought about refinancing but I hate all the cost and a lot of the things that are involved in getting into it. But once they started laying out the options it has been very professional. By the time it was all broken down to me and they showed me the numbers it was definitely easily doable. I also saw the different options and it worked out better for me so I'm happy. Nothing’s really going to change for me except the amount of time but it’ll be nice knowing that my mortgage will be paid off sooner. It will also work out good for them since they can get what we want to get a lot faster. Their people have also been great. If you need to see somebody they seemed like they want to help you.

I have been happy with Mr. Cooper. Due to some medical issues, I had to refinance my old mortgage. Their reps responded quickly when I called or emailed them. But, there was one instance where I've provided some information and then my insurance company provided and explained them as well, and then the information had been asked two more times. The back and forth was unnecessary and a day or two was lost during the course of all that. Other than that, everything else has been fine. They were pleasant and it was a pretty fast experience.

I would never recommend this company to anyone. I've been with NationStar (Mr. Cooper) since October of 2017 and EVERY month, except for one, I have had a problem with my mortgage payments. I have never had a late payment or any problems with paying directly from my checking account in the past. I always have the funds in my account and I always make sure I pay my bills at least 3-5 days before they're due. With NationStar though, I have had nothing but bad experiences and even worse customer service with upper management. Their automated system took out the incorrect amount over one month ago and I'm still dealing with the headache of that. The system verified that it was to take out half of my monthly mortgage payment mid-December (I make bi-monthly payments) and instead it attempted to take out the entire amount.

We had the best experience with Mr Cooper; I would recommend this company. Our loan process was easy, fast and enjoyable. The company we where trying to go thru before deciding to stay with Mr. Cooper was a nightmare. Thank you for my experience

I already have Mr. Cooper's insurance or their mortgage and then I looked into refinancing. I called Mr. Cooper and they set it up for me. I made four phone calls to their representative and did some paperwork. The process was seamless. However, they need to offer us the bi-monthly payment since they sub me out to a company that they use and they charge me a fee to pay my mortgage. I was surprised with that since I used to have Wells Fargo and they let me do it without no problems. With Mr. Cooper, they tell me that I have to call this company and talk to a particular person. That was not a very good experience. Nevertheless, since refinancing my loan, I had a lower mortgage payment.

I refinanced to see if I could get a lower interest rate. The Mr. Cooper reps were very good, professional and very nice people. They were very easy to work with. I’m legally blind, so a lot of things had to be dealt with differently than usual. But it all worked out in the end. Since having Mr. Cooper, I've had a lower monthly payment and they are very good to work with.

I originally started my home loan with Chase. However a few years later my loan was sold to Mr. Cooper. Anytime that I needed any type of service, it ends up leading to endless calls with no result or resolution. However the most recent experience is trying to assume my mortgage which is allowable under the terms of my loan. I simply need to remove my ex-husband's name off of the loan and it's been impossible. They continue to request for the same information stating they haven't received it.

I attempted to pay my mortgage by phone to avoid paying a late fee. They were going to charge me $19 to accept payment by phone. I only called because I could not make the monthly payment with extra fees that were tagged on when the company took over my mortgage by using the app. They have never been able to explain to me what these fees are for. A couple of days ago I tried logging on to the app to make a payment and it would not accept my password or my security question or answer. All were correct. The app was not working properly. I had to call to get it reset. It would not let me do it online.

I had Nationstar before, and then Mr. Cooper took over. I already had a Mr. Cooper account, the app and all that stuff from my previous mortgage, so it was nice to just stay with that. I was tossing around the idea of doing a cash-out refinance, and they did a cold call and it just worked out that they called the same time I was thinking about doing it. Then the rep gave me rates the same day and we just put it in motion. He held the rate for a couple of days until we could make the decision to go through with it.

The loan process with Mr. Cooper was great. Everything was made simple and easy with their knowledgeable and friendly staff. I was able to complete everything online. I would definitely recommend them to anyone. The staff is courteous and friendly.

The transfer to this company was made by my previous mortgagor, I read all the review at the BBB and decided to make my payment before the cut off since I had not received anything from Mr. Cooper. It was confirmed and out of my account prior to transfer. I finally called in December (15) to get my account number and they told me it was in the welcome packet that sent the 13th! Got it on the 17th with statement for the December 1 payment due. Long story short, Made the January payment 11/29. They still have not found the Dec payment that was transferred to them by previous mortgagor 8 weeks ago and continue to call me with automated late calls. Obviously they can not handle the accounts and if you read other reviews they will concur. I am so upset with this run around. I called today Jan 16, 2018 and they are closed due to inclement weather. Not impressed.

I had my original loan with Mr. Cooper and I refinanced with them. I've had a great experience with them ever since they had my loan. The reps were very knowledgeable, friendly, helpful and professional. They answered all my questions and gave me options. They were just outstanding. Since I refinanced my loan, I got lower interest rate on that account. It was the easiest loan I have ever processed.

I live on a fixed income so I needed a lower payment. I was already with Mr. Cooper and they kept sending me letters so I inquired about refinancing and they explained their process to me real good. My loan officer was so sweet and nice. It was like a nice conversation with a friend. He explained what they could do and I liked it, so I applied. The process took about two weeks to complete, which was good. They were also good about calling me and telling me how everything was going. The process was easy and it didn't worry me to death.

The experience was very smooth and professional. I was very pleased with the way things went and the way that the whole process was handled. I was kept up to date with the progress and any questions that I had were quickly answered. I would recommend Mr. Cooper to anyone that was looking for a great group of people that treat everyone like family.

I wanted to have a faster payoff and lower interest rate so I refinanced, and since my mortgage was with Nationstar, I refinanced with Mr. Cooper. Nobody else would refinance it because my balance was too low. It wasn't worth enough money for them to refinance. Mr. Cooper's process was very easy and their loan officers were knowledgeable and easy to work with. Their guidance was excellent too. I'd highly recommend them.

We have our mortgage with Mr. Cooper and our interest rate with that was too high. We refinanced with them and it was easy working with their rep. They were very nice and I was impressed with how fast we got the whole thing signed and finished. Mr. Cooper has good service and I now have cheaper payments.

My loan was sold to Mr. Cooper and I pay at the end of the month. They kept telling me off and on during the course of a couple of years that they have programs for people like me and my situation. Finally, I said, I was interested and their rep, Mark, called me. He talked me through the program and named one product that would probably be more appropriate that it would lower my mortgage. In that way, I could make my payments on time. He did the history and he was more like a financial counselor because he coached me and he gave a lot of good information.

Mr. Cooper was our mortgage provider already. We wanted to go from a variable rate to a fixed rate so we refinanced. The people that we worked with were wonderful and they made the process very easy for us. They came to our house to sign the paperwork which impressed me. Everything worked out very well. However, there was a disconnect with the other people calling to advertise and they didn't seem to understand we were already in the process. But all in all, it was a good deal.

I had Nationstar and my loan got transferred to Mr. Cooper. I was trying to lower the interest and help pay some debt off. They were the easiest ones I had to deal with. I had to jump through 17 hoops with everybody else. Their rep was more than helpful and very knowledgeable. Starting with the first gentleman I talked to, they transferred it to the loan officer and then to my closing agent, all of them were all very nice and helpful. This experience was much better than what I've had in the past and now, I don’t have any more credit card debt.

I wanted to lower my monthly payments and Mr. Cooper has been my lender for a while now. Their reps were very friendly and very knowledgeable. They communicate by email and over the phone and then they send it over to my place of work. And for me to send all the paperwork was a very smooth and seamless process. They came over to my place of work to sign papers and sending them all the paperwork was a very smooth process. It took minimal effort on my part. Since using Mr. Cooper, my mortgage payments are about a third of what it used to be. Everything went really well and it was a great experience all around.

This was the easiest refinance I've ever experienced. The individuals I worked with were highly competent and responsive. My calls were returned immediately and questions were answered fully. I loved the ease of transmitting documents securely!! I highly recommend Mr. Cooper.

My house was damaged in Hurricane Irma in early September 2017. I received a settlement check from the insurance company in early December and sent it to Mr. Cooper on Dec. 5th. I had paid to have my house repaired and it was mostly done at this point. Mr. Cooper took three weeks to inspect my house and release some of the funds. They now hold $6000, the remaining amount and have asked for a reinspection, cancelled a reinspection because a check is due, cancelled the check distribution, and rescheduled the check distribution. If all goes well I should have my remaining money by February 1. I have called every day and that has actually been the high point of my service. The people answering the phone have been very helpful, but if I could change my mortgage company, I would. Mr Cooper is keeping my money at their whim and with no right, because they can.

Keith ** deserves a raise! He is amazing, knowledgeable, courteous and gets things done!!! If it wasn’t for him I wouldn’t have refinanced! Was prompt in getting back to me as well! Can’t give him enough KUDOS!!! The notary did not seem very knowledgeable and the whole experience of doing the signing at home was convenient but would prefer to have lawyer present versus phone access.

The two reps that I encountered from Mr. Cooper were very professional and timely. A few hiccups here and there but in the end, they gave me what I asked for and we all got what we wanted. I would recommend them.

We get 2-3 calls a week "introducing Mr Cooper" and leaving a phone # to call. You call the number, and it is only an announcement message saying Nationstar is now Mr Cooper-- with no problems with your account. We have asked to be opted out of this twice, and nothing has changed. Bad company with Very Stupid Name.

Our loan officer was easy to work with. He had a good knowledge of everything, was specific and very informative. His explanation of everything made us feel comfortable and at ease. There were some things we didn't even think about, and he seemed to know the answers to our questions. Refinancing with Mr. Cooper helped me with mobility because it was primarily to make it handicap-friendly. I'm in a wheelchair and I needed access to a shower and so, we were able to fix that. It takes a lot of time off of my children that help me.

My son was with Nationstar since 2006 and we transferred to Mr. Cooper. The payment was too high for me. I'm only on social security. I'm not working and I pay the mortgage. We refinance for low interest. It was 7.85 and they got it down to 4.87. We worked very comfortably with Anesha and another guy and they're very knowledgeable. Anesha laid everything and she helped us a lot. If I have a problem right now, she's who I would call. Our first payment is until next month. It's going to be a great difference for me because it will give me a chance to pay my own utility instead of having my kids do it. I'm well satisfied with Mr. Cooper.

I was going to take equity out of the house to remodel the inside because I’ve done the outside. I called Mr. Cooper to find out about that and Jason was the first person I spoke to. We discussed and he was very helpful. He said, “If you take out equity, you might end up with a variable rate." And, "Why wouldn't you just remortgage? We'll re-fi the house. Rather than lower your interest rate, take money out as part of the re-fi and it will be a set rate instead of something that could jump a couple of points”. He was 100% on and was absolutely wonderful. He walked me right through it, was honest and upfront, and told me what I would need to do.

We had the same loan the whole time. It was sold to Mr. Cooper so we just stayed with them. The loan officer called and kept us informed and the notary person was pretty good. Since refinancing, we did some improvements to the house and got a lower interest rate. I would recommend Mr. Cooper to a friend.

I’ve had a mortgage with them for almost 10 years so I inquired about refinancing my old one for I was getting out of FHA to a conventional mortgage. Their reps were friendly and courteous. I knew what I wanted and any question I asked was answered quickly and specifically. It was a good experience all the way.

We did a refi a couple of years ago and our loan ended up being sold to Mr. Cooper when they were Nationstar. We had so much equity in the house that we wanted to just basically take a loan out on ourselves. We went from a 15-year loan to a 20-year loan. So, our monthly payment is almost exactly the same. We decided to do one of the cash out refi's and since we're already with Mr. Cooper, it seemed like a simple fit, and it was. The reps were very knowledgeable and professional. The only thing that confused us was right after we completed the process, they sold us to Wells Fargo. Even so, we had peace of mind since refinancing our loan.

We were with Citibank and they sold the mortgage to Mr. Cooper. We had a higher interest rate and I always make principal payments so I decided to get the refinance done at a lower rate. I inquired with Quicken Loan but I decided to go with Mr. Cooper since they were comparable with what Quicken Loan was going to offer and convenient too since they already had all our information. Their loan officer kept me and my husband up-to-date with everything and was absolutely easy to get a hold of. We had a couple of questions, but they were able to answer them very quickly. The refinance took about five weeks tops, which was quick. Everything was satisfactory. Aside from the lower interest rate, we were able to shave off five extra years from our previous 30 years and the principal is going to be paid off even sooner.

This is probably the worse mortgage company I have dealt with. I have at least 6 different mortgage companies with different homes and never had any problem but this company and its staffs doesn't seem to get anything solved. Each issue I have with this mortgage company I probably called at 4-8 times, each lasting at least 30 minutes, without getting anything solved. All they want to know is if I was satisfied with their service at the end.

Worst customer service I’ve ever experienced. I work for a 3rd party trying to acquire information for a customer. They did not accept his written authorization, he called and gave them verbal authorization and still every time I tried to contact them after the initial call they would state that there was no authorization on the account. In 3 business days I made 2 Requests through their Touchstone service, spoke to someone who was supposed to email me the document and called and spoke to another rep for them and still never received the document. They said they sent the document to our mutual client but then he had to call back as well and jump through hoops just to open it.

I requested a payoff to my mortgage and it was taking forever. All the while the interest was mounting. So, I send in more than enough to cover the balance. Since this time, I have been waiting almost 2 months for the correct amount to be refunded. They received and cashed the check on the 15th of the month and will not refund the interest from the 15th to the 31st that they did not earn. I have filed with the "BBB" and the "Dept of Savings and Mortgage Lending". My next step will be to file a lawsuit in small claim court. DO NOT DO BUSINESS WITH THIS COMPANY!

I had a loan with Nationstar who eventually changed to Mr. Cooper. It seemed like a good idea to get a lower interest rate and they started sending me paperwork and explaining what it was. I put off it for a few years and finally said, “Well, why not?” They were awesome and really helped me out. The loan officer called me back and explained things I didn’t understand. He was really good and kept in contact with me either via email or phone call. I haven’t made the first payment yet but the payments went down.

Unable to contact PMI removal Department. My credit score is excellent at 820. After several calls and long waiting Eventually obtained address and form. Faxed and mailed twice and they did not respond. Their nasty trick is to make you log on to their website where you forgo all of your rights. Texas criminals?

Mr. Cooper transferred me from my previous mortgage lender, and then I reapplied. The rep helped me through the whole process, and it was done quickly. He gave me all the options, information, how to save money and what's the best interest rate. He knows what he's doing and he's helped me a lot. I shortened my terms from 30 years to 15 years, and that's good.

Mr. Cooper took over our mortgage, and their customer service team has been excellent. They're fast, efficient and friendly. The guys who texted were fantastic. I would recommend them.

We achieved our overall objective but it took entirely too much engagement with senior managers and way too long (3 months to Refi a home with a 780 credit score and 60% equity). Originally, got run around on getting a reasonable rate - took manager to straighten out. Then scheduling the closing was comical as Mr. Cooper agent had difficulty scheduling the closing because they did not understand time zones or use of computer scheduling tools.

Our house is for sale but until we sell it, we still need to make payments on it. We needed the payment down to where we could still afford to live in it and do other things as necessary. Also, my husband retired so there's a huge decrease in immediate income. We refinanced with Mr. Cooper and everything seems to be going fine. We found out we qualified for a HARP program so it didn't take very long to get it all processed. Our interactions with the professionals have always been without a hitch and they got my questions answered or sent me to the right department because I was probably calling the wrong person. We were able to lower the payment and get things going on a better payment schedule.

Mr. Cooper was already my mortgage company and my loan was transferred to them. Their reps were always answering my questions and staying in touch, and I loved it. Everything was professional.

Mr. Cooper's agent did us such a good job before and we kept him. And again, he did a very fine job. Mr. Cooper guided us excellently when we were discussing our refinancing options. We had our original loan with them when we bought our house. And we figured the cost wouldn't be so much going through the same one we already had, which is how it worked out. Everything has been good.

We had to sell a rental property and then, we had enough money to pay down our loan. So, it was time for us to refinance. And our initial loan was redirected to Mr. Cooper. I really love them and the way their website is. It's easy to figure out everything regarding our house payment. Everything was very clear to me. And they were great to deal with. If I had questions, I just call back and spoke to their representative. And they made everything so easy. I'm totally satisfied and I don't want anybody else to handle my mortgage.

Mr. Cooper had my mortgage and I was trying to shorten it. I dealt with two people and they were really good as well as professional. Plus, they didn't waste my time. I called and told them I'm going to start seeking this out and that I'm going to look at a couple of things. The person I talked to was brief and just gave me the facts that I was looking for. I mulled over it for a couple of days then started to get the ball rolling. I then dealt with Sharmaine. At some point, they sent me information on the e-docs and I waited and waited until I finally called to check on it. They kept getting my name mixed up with somebody else's and sent some stuff to them. I even got three calls from Mr. Cooper asking for somebody else with a similar name and it was irritating. Other than that, the way they handled everything was great. I have already made my first payment and just waiting for it to go through.

Mailed Mr. Cooper payment document for extra principal payment. The check was processed by my bank 12/5/2017. Mr. Cooper placed funds in unapplied fund account. The payment stub marked for principal payment was checked and a note on check said extra principal payment. Received a letter dated 12/5/17. Called 12/28/17. Was on hold for 25 minutes then disconnected, called back and was told the extra payment went to principal payment on the 11th. I send extra principal payments every month. A note was attached to my account. Will send another check next week and see if applied in a timely manner.

A person can get old, die and turn to dust before these people answer the phone! Unreal. Two days in a row calling and these fools are always "helping other customers, but your turn is coming up really fast..." Uhuh, fast? As in before the century ends???

I was a customer of Nationstar when Mr. Cooper took over them. I was satisfied with the way Mr. Cooper was handling business and the customer service. I needed to lower my monthly mortgage payment because it’s a tremendous expense and I’m on a limited fixed income. My interactions with the representatives were great. They were all professionals every time I call to find out about my escrow account. I tried to refinance before and I had a problem. But this time, the lady walked me through it and she got it done. The refinance went through within a short amount of time and I was happy with that. Mr. Cooper went out of their way to give me a good and genuine customer service and I now have a lower monthly payment. I'd tell others that if they are looking to refi a home, I would definitely recommend them to Mr. Cooper.

This operation is negligent in issuing the dispersal check for escrowed taxes. Their customer service lacks follow-through on issues, and instead blames another department for delays, stating, "I don't know what happened." They have no solution in hand to remedy service issues and instead ask the customer what they should do. Plan to be put on hold for at least 30 minutes should you call with a concern. Avoid this company.

Refinancing with Mr. Cooper is pretty fast. You could do it in half a month and that's a good thing. At the start, I was with my insurance company, Nationstar. And then I got a letter from Mr. Cooper. They called me and then when I called back, they started to refinance my old mortgage. Since Nationstar and Mr. Cooper are related together, refinancing here saves me money. However, they gave me a number, $3,180 and when I finished refinancing, the number went off to $2,279. They explained that it's because the property tax went off.

From the information you submitted, we understand that these are your allegations: "A property inspector for Nationstar Mortgage was sent to inspect your home." Nationstar attempted to gain entry to my home on several occasions. The inspector pulled into the driveway and began to speak me in degrading manner, calling me a "**" and a stupid baboon, which we were able to record with my iPhone. The inspector then drove off and circled back around in front of my home and continued to agitate the situation. We contacted the Police Department, filed an incident report and contacted the attorney.

My initial loan was through Bank of America and then it was transferred to Mr. Cooper. I refinanced with them and the communication was great. They went over the different options with me and they were very helpful and proactive in calling or emailing me. From the time I contacted them to the time it was wrapped up, the process took a month and a half. The process was simple, a lot easier than I thought it would be. Plus, I got a better interest rate and my loan was shortened. Everything went well and the customer service was great.

My mortgage was sold to Nationstar Mortgage also known as Mr. Cooper by CitiMortgage. My 1st mortgage payment was supposed to be 1 Dec 2017. On 11 Dec 2017, I noticed that my account was not debited. I called Mr. Cooper and a representative from Dallas said that nothing was set up for EZ pay (automatic payment debited from my checking account). Since that was the case, I made an electronic payment from my checking account to cover December 2017’s mortgage payment. On 12 Dec 2017, my checking account was mysteriously debited by Mr. Cooper for Dec 2017 mortgage payment after I already made an electronic payment the day before. So this makes 2 payments to Mr. Cooper for the month of Dec 2017.

I have financed with Nationstar before and they changed their name to Mr. Cooper. I went to a session of getting my disability and the rep was trying to get my house away because I didn't make payments for five or six months. When I finally got my disability, I doubled my payment. I talked to one guy and he hooked me up with somebody else with Mr. Cooper. They set me up on a refinance and had a lady come down. I got a text back because they overcharged on certain things on my ending balance. For the projecting stuff, I got $17 the other day and $38 today. My first payment was January 1st and I dropped the duration from my old 19 and a half years down to 15 years. I was also at 6% rate and went down to 4%.

Mr. Cooper has been a really great company to work with. I like that they were efficient when they assumed my mortgage from Bank of America. Then they refinanced my loan for me. I got eight years off of my mortgage time and a lower interest rate. Their representatives were informative over the phone with any questions I had. They also did things for me in a timely manner. There were some issues with my name change since I’m a transgender person and they helped me worked through it. I was amazed that they were able to get it done without them being biased.

Since refinancing my loan with Mr. Cooper, it made things much easier for me. The process went smoothly and we worked everything out right over the phone. Their rep was very professional, friendly, and helpful. She covered every detail very well. It was a very nice experience and one of the best I’ve ever come across.

Mr. Cooper called me one day while I was at work and they had some type of promotion going on. They wanted to run my numbers to see what it came out to if I were to refinance and it ended up being a $400 dollar savings. At first I was a little nervous but it seemed like a no-brainer. When they asked if I wanted to refinance, everything seemed legit. All my paperwork came from them and the process was completely over the phone, yet it almost felt like I was working in an office with them. Every time they called was the perfect time to call and I was always available. They were very professional and easy to work with.

I have been with Nationstar and I decided to refinance with Mr. Cooper to get a lower rate. The reps I worked with were both really good. They were on top of everything, informative, very nice, and friendly.

My mortgage was turned over to Nationstar from Bank of America, then Nationstar changed their name to Mr. Cooper. Their reps were knowledgeable, helpful and answer all my questions, but I found out towards the end of the loan that they have problems and miscommunication on what was needed for closing. They said that my husband's name needs to be applying on the deed and he needs to sign the deed. But I found out he did not need that in the state of Georgia. They sent the closing attorney out to the house and one document wasn't signed. They had to send him back out to have it signed again, so the account wasn't funded on the date that it should have been funded and I only found that out almost a couple of days later.

I was turned down for a Re-Fi before. They found a way to do it for me. I'm very pleased with there help. They completed the process very quickly and kept me informed throughout the process. I can't believe they were able to get my loan done and helped us out.

I’m trying to get a question answered on the CS line. The robot doesn’t understand my question so I ask for an agent. But the robot says they are closed. The website and my statement all say they should be open!!

Mr. Cooper took my mortgage over and I have refinanced my old mortgage with them. The customer service was really good and they talk to people like they’re somebody and not just a number. We didn’t have to go into lawyers and the gentleman came out to the house so, we didn’t have that hassle either. They were friendly and they went into detail. I was worried about it being a fixed rate and the rate being lower but they explained it. If I thought it was a stupid question to ask, they still answered it. Our rate and our mortgage payment went down, and they knocked five years off our mortgage payment. Mr. Cooper is really good. They're honest, upfront and talk to you like you’re somebody.

Mr. Cooper's people were very friendly and helpful, and we got a lower interest rate. Also, they answered every question we had and we decided to stay with them. Their reps were very informative, courteous, professional and if they couldn't answer something, they got the answer for us. Their process was very fast and easy. It took less than two weeks. The treatment we received was very good and our experience was very painless.

Excellent service and timely. Greatly recommend. All the personnel involved were very professional and courteous. Each process was thoroughly explained and all of our questions were answered. We would highly recommend Mr. Cooper to anyone seeking a home loan or refinance.

We were Nationstar customers and we received an offer in the mail with the matching statement so we refinanced with Mr. Cooper. The loan officer called me and showed me all the options. They checked the value of the house but we followed the state guidelines of how much my house would cost. We took it from there and because I had some of my money on equity the payment was lower. We said yes and we did it. I’m paying $300 less than before and I still have my equity in the bank. I didn’t pay for the last two months and my first payment will be on January 1st. Working with the mortgage professionals was more personal like they already know what to do and everything they say they don't throw away. Also they contacted me right away by mail or phone

We were with Mr. Cooper already when we wanted to do some home improvements. So, we gave them a chance and it worked out well. They gave us options and we made choices, and they listened to us and followed what we asked them to do. All the paperwork was not fun, but the experience was as good and pleasant as it can be.

Hurricane Irma hit and we were told that since we were in a disaster area (Polk County, FL) we could defer our mortgage for 3 months with no penalties. The forbearance would put the owed amount at the end of the loan. Now we’re almost to the end and they changed the verbal agreement that the representative was asked 3 times about to something different. They want us to modify our loan, instead of following through on their word. It’s ridiculous they are allowed to do this and change the original agreement. If you do any business with them get the person’s name you spoke with and record them. I’m sure our conversation is on record with them.

I had a good experience with MR COOPER. I had received a email to call and ask about refinancing. The process was easy. I'm glad I got the email and I'm glad I called. I am glad everything was explained to me and I must say Michael ** and his group were very helpful.

Mr. Anthony ** and Mr. Ermin ** were tops in helping us get our refinance done as quickly as possible. They were on top of every move every paper that needed signing to make sure all of the "T"'s were crossed and all the "I"'s were dotted. Could not have had a smoother transition and got the best rates and deals possible. A lot of stress has been release and can breathe again thanks to two people who cared. Thank You.

Everything was good with Mr. Cooper except that I dealt with the broker and then she handed me off to a lady named Monica. I noted to Monica that she should learn how to do business with Americans as she’s in America, and it fell on deaf ears. I even complained to my broker and to her boss that she was very abrasive and she told me that I'm going to do it her way and that's it.

My loan was sold from City Mortgage to Mr. Cooper. I was following up as far as making payment on the phone and a very fine gentleman from Santa Ana, California, took the call and he started talking to me about refinancing. Their staff was extremely professional. I've been impressed with everything that they've done. They got me through quickly on the refinance and their rep made me feel good because he told me that our property would be worth $8Million in Southern California. I’m very happy that we were turned over to them. Everything is fine and all we have to do now is pay the loan off.

Each department did not know what the other was doing. Sales told us several things, then "Compliance" negated them and held our loan hostage. We were told that our credit report would NOT be run. It was run TWICE. The loan was finally done, but not like sales told us in the beginning.

I had a great experience with Mr. Cooper. They were honest about everything upfront. Because they were honest in the beginning there was no disappointment later. Often some businesses will say anything to get your business so the outcome is less than what you expected.

I already had a mortgage with Mr. Cooper and I wanted to consolidate my debt as well as do some home improvement. The people I worked with there were good and very explanatory of the process. Since then, I've been able to take care of a few bills.

I wanted to lower my monthly payment and I worked with Michael from Mr. Cooper for my refinance. He was good, fast and called all my needs. We closed in less than a week. That was the second time I tried to refinance because the first time was a few months before and I had a bad experience with someone else. But with this guy, he knew what to do and he explained pretty much everything. The only one that I had an issue with was with the underwriter. He sent me the same paperwork twice but with different numbers and when I asked him why the numbers changed, he was condescending. Instead of explaining himself, he told me that he was going to tell the other guys to give me a call. So, he didn't want to answer and I was almost about to cancel the whole thing. Then this other guy explained everything and he talked to the underwriter.

I was doing a refi and Mr Cooper was already my mortgage company, so ultimately I was hoping to work through them after checking the competition's rates. Their rates were comparable and they already had much of my important data so it worked. My refi was expedient, professionally executed with good communication throughout the process.

While they have changed their name and are trying to improve their reputation nothing has changed. Communication is still difficult, representatives tell you one thing and then you speak to someone else and they give you new directions. They send people to your house leaving a notice to call them but when you do there is no reason for the message. They do this before they bother to call you or notify you by mail.

We had a very good experience. They were always available for calls and answered all of our questions. The paper work was easy to fill out and understand. The process was smooth and done in a timely manner. I would recommend them to a friend.

I was in for quite a treat when checking my credit with all 3 credit bureaus to find that Nationstar fraudulently added over $147,000 to my mortgage loan without my knowledge. Have reported with Fed. Trade Comm'n and FBI.

The loan rep and loan processor were excellent and very responsive. They handled two loans for me and I am very satisfied. The online e-signature process was very easy and had good security measures in place. I would recommend them w/o hesitation!

One would not regret working with Mr. Cooper. After my old mortgage switched to them, we wanted to save some money on our monthly payout. So we asked them for refinancing and they did, which was the quickest refi I’ve ever done. Their representatives walked me through every single step, which was great, and I didn't get lost. All in all, they saved me some money.

I was with that other loan system and they gave me a runaround so hard that you’d never believe it. When you’re on the phone with them and they tell you, “Oh, call me back at such a number.” When you call back, they send you from one person to the other. You start to seek different people and you can’t get the information that you require. When I started with Mr. Cooper, it was like a dream come true. The guys that work in Mr. Cooper's loan department were a great help and they are really professional. The customer service experience was great. Their guidance was straight to the point and I understood exactly what they were saying. Their reps did a good job in terms of giving you the information and in giving feedback, telling what’s going on, and at what point the loan reach is. They give that vibe that they can get your loan much better. I’ve had a great experience so far and I’d recommend Mr. Cooper to anybody.

The staff was very courteous and were on time and very professional and to the point. They were detailed about what they were doing and what I needed to do for the process to work.. I received phone calls and also my phone calls were returned within twenty four hours.

Nationstar is very professional and helpful. It was an enjoyable experience. But when it came to closing time it wasn’t exactly what I thought it was going to be though maybe I didn’t ask the right questions. But all in all I was satisfied. We had a fixed mortgage now. Before we had variable. And the payment went down a couple hundred dollars. I would recommend them. They were a good company to deal with and to work with.

Dealing with Mr. Cooper for refinancing was wonderful. It seemed to be easier since they already had all of my information and I was already set up. Working with their reps was very easy. If I made a phone call or we had an email, they would follow up with an email and a phone call constantly every day. If I hadn’t read the email, they would follow-up. It was very good and we communicated well. The rep was constantly giving me a call as he was being sure even when I was handed off to the next department and during closing, everything was very smooth.

Answered all questions in a timely manner. They were very knowledgeable and worked with me without having to take time from my job. Quick to answer questions and very easy to work with. I would recommend them to other friends. Processed my mortgage in less than three weeks.

They were with me every step of the way, from the first phone call to the very end. They handled everything. Excellent company and I would highly recommend Mr Cooper to anyone looking for a mortgage or to refinance. Customer service was excellent.

Seamless. It is coordinated from beginning to end. Easy. Tell you exactly what to do and how. Professional. Everyone respects your time and the process. We love working with Mr. Cooper. They have been great for as long as we have been working with them.

Some of the most friendly and helpful people. They made the experience very easy and always had our best interest in mind. I would highly recommend them for all Home loans and refinancing. Thank you for helping us so much for making dreams come true.

CitiMortgage sold our mortgage to Mr. Cooper. When the representative called, I didn’t believe he was really from Mr. Cooper at first because I don’t give my personal information to people who call me. I thought about it then I went to the website he said to go to and I took a chance on it. I knew what I wanted to do so the representative gave me my options and we went from there. He was excellent and very nice. He did a good job and handled it very professional and fast. Also, he did it all on the computer and I didn’t have to leave my house. He even sent the lawyer to me to close because I’m on oxygen and I don’t get out very well. But it’s stupid that they changed the name to Mr. Cooper. It sounds like a cartoon character and not a professional name. I thought it was a joke when I started getting mail from Mr. Cooper and that it can't be real but it was. Other than that, it worked out really good.

I needed a new roof and an HVAC system. I was really stressed out when I realized I needed to refinance so I could fix my roof but the people at Mr. Cooper were really nice and calming when I talked to them. They were really easy to talk to and if I didn't understand something, they would explain it. I didn't have a clue what I was doing and they were really good at discussing the options available. I needed my systems fixed before the new year and before the winter. They pushed it on and got it here. They made it easy and the whole process took no more than three weeks which I didn't expect to be that fast. I've got a new roof now, a new HVAC and I'm happy. It was a nice experience.

Beware. You get inaccurate information form the start of the process to the close. You have to check everything twice. They make numerous mistakes. Even when you talk to the "supervisor" all you get is excuses and empty promises.

In 2014, after a year of trying, I received a modification offer from Nationstar which I accepted. I paid on time every month for two years. In 2016, I was notified by Nationstar that my payment was increasing from $1068 per month to $2670 per month. When I called to find an alternative they said there was none. I then contacted Keep Your Home California, a non-profit in CA and was approved by them for $40,100 recoverable grant to pay down the balance. In Jan 2017, KYHC sent Nationstar the $40,100 to be applied to my loan. Nationstar received the funds and applied it to the principle.

Mr. Cooper was my lender before. They were servicing for my loan and they were helpful, knowledgeable and good. I got a shorter term as well and lower interest rates in all of the payments. The process took less than 30 days.

When I purchased a home some years ago I was young and my credit was not what it is today and so I had a very high interest rate. I had to refinance and the reps I worked with at Mr. Cooper were both lovely. They were very forthcoming with information and worked well with me in getting the refinance that I needed and wanted. They gave me the options and what was available to me as far as if I wanted to do a 15 or 20, or a whole year type of refinancing and what was best for me. What I was going for in getting the loan paid off was possible in the price range that I was working with already.

Trying to close out and get all the money from my Escrow account. After closing on my home there was a payment made from my account to FHA MIP, when calling to find out why personal did not know why a payment was made a month after my closing. The time it takes to talk to a real person is about 30 minutes. Then they put you hold to go get a glass of water. I do not know what they do when you are on hold. But after they come back they will transfer you to another person which starts the timer all over again. It took three calls to get an answer.

We've had our mortgage with Mr. Cooper since we bought our house and we refinanced to get a lower rate. All the agents were very kind and worked hard to set things up. We're both on Social Security. The lower payment and lower interest rate are a big help. We're quite happy with everything.

I'm remodeling part of my house and I needed to get some money out to do that. I called my current lender and they hooked me up with Mr. Cooper. Their reps were excellent. They returned my calls immediately and they communicated with each other. I never had to repeat something that I wanted or needed. However, they kept sending me information and wanted me to sign up for a death benefit insurance. I get at least three things a week from them and it’s driving me crazy. I don’t want it. Nonetheless, my experience with them has been good. They are very honest and didn’t try to pull any tricks. What they told me is what I got.

We’ve turned down several refinance offers in the past. Here we were offered something that actually saves us money in the long run while also getting our mortgage paid off faster! Staff was easily reached, friendly, and accommodating. They made it easy to refinance.

I was extremely happy with my experience with using Mr. Cooper. Eric went out of his way to find a way to make it work. Both Eric and Sonia understood the urgency of getting completed. Sonia kept me updated on the status. It was a wonderful experience, and I would totally recommend to a friend. They were both extremely professional and friendly.

My loan specialist was fantastic! He was clear, concise, thorough, and keep me informed in a timely manner, thank you Fidel **. I would recommend Mr Cooper for Your Home loan needs. They were assigned my mortgage from my previous mortgage company so I was able to refinance with them. I was able to complete my process electronically except for the actual closing which had to be completed with a notary.

I had a mortgage with HSBC which was sold to Mr. Cooper. When I called Mr. Cooper to ask them not to sell my information to other companies, their representative asked why I haven't refinanced. I told her that I would love to, but my debt to income ratio is not what it was and that nobody wanted to refinance with me. Then she said that since they have an existing relationship with me so they can do the refinancing. A week later, I was done.

I called a guy at Mr. Cooper, talked to him about what I wanted and faxed in the stuff that he wanted. I refinanced to get lower rates and to do some things, and we got it all done in about a week and a half. That's the quickest I've ever done. Even when I first bought this place, it didn't go like that. They were great.

The staff of Mr. Cooper were very helpful and proactive in helping with our refinance. From the person on the phone and emails to the person that came to my home to have us sign paperwork. The experience was very smooth.

Ever since changed name to Mr Cooper - it's been a complete nightmare... They contacted me to suggest a refinance multiple times which I had no interest... YET every time I have called, I cannot get anyone live... The standard response is "your wait time is over 10 minutes". Seriously? Then when I leave my number to call me back as tired of waiting, they NEVER call. Mr Cooper - HIGHLY NOT RECOMMENDED.

We received several letters and so we called Mr. Cooper and told them what we've heard and asked what they can do. And they were able to meet what we’ve already been told. We had our previous loans through them and then we discussed refinancing. The guidance we got was great. All in all, they were very quick and supportive.

Every Month we get threatening letter demanding payment, while in the same letter they show they are holding more than enough to pay my mortgage in a suspense account. Hey knuckleheads, write a simple do loop program. Here is check that is less than the full amount put it in suspense. Here more money, Is it enough? Ding ding ding, pay the mortgage. The House is owned by two unmarried people. They get two checks every month. It's not rocket science. My 12 year old neighbor could write the program that would fix this. All they say is, "I'm sorry we send you threatening letters when we have your money. There is nothing we can do about." They changed their name to show they care. Jokes on us, they could care less.