
Mr. Cooper Reviews
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About Mr. Cooper
Mr. Cooper is a nonbank mortgage lender and the primary brand of Nationstar Mortgage LLC (NMLS #2119). The company offers conventional and government-backed loans for home purchases and refinancing. It publishes daily rate information online and provides tools to help borrowers estimate affordability, monthly payments and potential refinance savings. Mr. Cooper operates nationwide and is licensed in all 50 states, Washington, D.C., and several U.S. territories, including Guam, Puerto Rico and the U.S. Virgin Islands. The lender primarily delivers a digital-first experience, with support available online and by phone.
Visit www.mrcooper.com- Online pre-qualification tool takes minutes
- Online loan tracking
- On-time closing guarantee
- Pays local moving costs in some areas
- No physical branch locations
- No USDA loans
Mr. Cooper Reviews
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Reviewed March 17, 2018
From the first time I called to the closing, the loan representative and loan processor were courteous and knowledgeable. We were able to complete or refinance in 30 days without a hitch! I would recommend Mr. Cooper to anyone looking for a new loan.
Reviewed March 17, 2018
The loan I was with was transferred over to Mr. Cooper. When I was looking into refinancing with them, I was impressed with their quickness and everything was good. They provided excellent guidance and I was able to get lower monthly payments.
Reviewed March 17, 2018
I've been with Mr. Cooper for a long time now. Everyone I spoke with at Mr. Cooper were all pleasant. They were professional and they were intent on helping me get the mortgage resolved. And they went an extra mile to work with me to get it done. The guidance that my mortgage professional provided was perfect and they just stayed on course until it was done. I was extremely satisfied with their process.
It had been a pleasant experience and it was a job well done. From the very first call when I inquired to the very last person that signed the paperwork. I appreciate the painless and quick experience from Mr. Cooper. I’m paying my mortgage for a couple of years and as long as I pay the bill on time, everybody’s happy and I’m striving to do that. But, I received a notice from their guys a couple of days prior saying that the payment was going to go up to $400 a month.
Reviewed March 16, 2018
My refinancing experience with Mr. Cooper was a blessing. My mortgage was close in less time I told. Many thanks to Mr. Nicholas ** my loan officer. Also many thanks to my closing officer Nicholas **. Many thanks for your great help.
Reviewed March 16, 2018
I am in a insurance agent which has many policies with this mortgage company NationStar Mortgage, LLC as the loan servicing company. I have a client that escrow account was invoiced on 1/15/2018. After calling at least once a day and speaking to many CSR reps, which I was told check was in the mail since 1/15/2018. Each person I have spoken shifts me to someone else. I have docked my time and I have been on hold for over and over for the last two months total 2.6 hours, and still they did had not paid.
Last call was made Monday of which I was on hold for 27. minutes. The payment was received by the insured insurance carrier on 3/15/2018 - just in time for the policy to be canceled - and refund being issued back to named insured. Note this is the Mortgagee's money that has been held - for two months after original invoice - of which was to be paid within 7 to 10 days. If I were a lender I would not want to be associated with this loan servicing department. They are the absolute most unprofessional, unethical, and non-performing company I have ever dealt with. Surely Lenders you can find a better servicing department. I would be worried if they were managing my money. Unbelievable.
Reviewed March 16, 2018
I was very happy with my experience with Mr. Cooper when I refinanced an investment property. I felt that some of the documentation was redundant in that I ended up sending supporting documents twice, first to the person who did the initial processing and then to the follow up person. Both individuals were there to answer all my questions and it was wonderful that someone answered my phone calls each time.
Reviewed March 16, 2018
The reps from Mr. Cooper were good and professional. We talked about whatever options there were and I was very satisfied. It was a very smooth process and I have lower monthly payments. Mr. Cooper is a good mortgage company and I'd recommend to use them if you need to.
Reviewed March 16, 2018
I had a mortgage with Mr. Cooper and I wanted to see if I could get a lower interest rate with a refinance. Dealing with them went well and their guidance on the refinance options was great. We got it done fast and the mortgage went down.
Reviewed March 15, 2018
My experience working with Mr. Cooper, was timely, pleasant, everyone in involved was accurate on handling all paperworks and phone calls. Customer service was excellent. I am very please to have worked with Mr. Cooper.
Reviewed March 15, 2018
I had a very pleasant experience. The process was simple and straightforward. Interaction with everyone was extremely positive. They answered any questions that I had to my satisfaction. From beginning to end, it was satisfactory. The representative for the closing was flexible with my husband's work schedule and came to our home on a Sunday evening. I was very grateful and surprised.
Reviewed March 15, 2018
We had a fixed rate, but our current mortgage was coming to an end as of June so we had to figure something out and refinanced with Mr. Cooper. The rates that were offered were better. However, we had some issues with the appraisal on our house. The first people who started looking into the appraisal didn’t even get the acreage right, which I don’t think is legal. There were a bunch of stuff that we just weren’t happy with as far as the appraisal went.
I kept telling Mr. Cooper's reps to call my cell number, but they kept calling the house phone. They were having trouble reaching us because I’m not usually home during the day and I don’t check my voicemail a lot on my home phone. They had my husband’s phone number, but he can’t pick up the phone during the day because he’s always on it for conference calls. I think there was just kind of a communication issue with that but it all ended up working fine. They’re easy to talk to and seem to know what they were doing all along the way. It was like a very pleasant experience.
Reviewed March 15, 2018
This was the most pleasant, professional experience I have ever had dealing with a financial institution. Every step of the process was explained to me in a knowledgeable, professional manner. Stellar communication from start to finish. I would highly recommend Mr. Cooper.
Reviewed March 15, 2018
People taking information didn't seem to know what doing, too many additional last-minute requests for paperwork that normally would have been requested at beginning. Delays in signing papers that caused personal scheduling problems. Best part was girl who assisted in signing papers for professional.
Reviewed March 15, 2018
We tried to consolidate and Mr. Cooper’s reps were awesome. I love them. They were right there, they called me back if I called them with questions. They were really good and the woman that did the paperwork had to work until 7 and she came over here at 8 o'clock at night to sign all the paperwork, which was very convenient for us. They even made a courtesy call after everything was done to make sure everything went okay. Overall, my experience was excellent. I would recommend Mr. Cooper to anybody.

Reviewed March 14, 2018
In December of 2017 they advised me of the new payment amount starting in 2018 which I paid on time starting in January 2018. They sent another statement stating a new payment for December 2017 and reported no payment made in January lowering my credit score over 50 points. When confronted with the facts, they agreed the new payment usually starts in January of the new year but said it would be submitted for review. Over a month later they rejected my request. They state that they changed the name to Mr. Cooper to be more personable, etc. HA! They are the worst mortgage company to deal with...so hard and long to reach. I was cut off once and hung up at another time. I have reported them to Consumer Affairs and am now waiting for the outcome. I have dealt with several mortgage companies because I have rental properties and this company is the worst!
Reviewed March 14, 2018
Mr. Cooper bought my mortgage from Nationstar. Everything went as planned during the refinancing. It came out when they said they were going to. We passed papers and everything was official a couple of weeks ago. The mortgage professionals were very professional and nice. The guidance I received also went very well. Refinancing with them has knocked five years off my mortgage and lowered my interest rate about three percent. I'm very happy with Mr. Cooper.
Reviewed March 14, 2018
Mr. Cooper currently holds my loan and they were able to give me better rates as a result. My loan officer, Brooke, did an excellent job. She spent the time to get all the information, and she did very well on it. The processors did a great job as well. They kept me informed about what was going on in the process, and they did pretty well on any needed documents. The only thing I would recommend is that when a person is doing multiple loans at one time, they assign it all to one processor rather than to multiple processors. The process went very smoothly, and everything was mostly done electronically. It was nice to make use of the technology. I would tell my friends to give Mr. Cooper a call, see what their rates are and give them a shot. Mr. Cooper is a good company.
Reviewed March 13, 2018
Happy we are with Mr. Cooper. We enjoyed refinancing with Mr. Cooper. We got great staffs to work with on our loan. Brilliant staffs to work with, namely, Mr. Benjamin ** and Ms. Kimberly **. We closed on time. We will refinance again in the future.
Reviewed March 13, 2018
I am a private consumer who recently refinanced by home loan. It was a very easy and professional process. The individuals I dealt with were knowledgeable and very helpful. I would recommend this service and company to anyone. This refinance made it possible for me to meet all of my financial needs now and in the future.
Reviewed March 13, 2018
This Refi was the easiest and excellent one I have ever done. I hadn't really looked into it seriously until I talked with a rep. from Mr. Cooper. She told me how I could easily refi and get rid of a $17,000. credit card that has amassed over the years. With the refi I was able to eliminate a $500.00 a month Credit card payment for a much smaller increase in my house payment.
Reviewed March 13, 2018
Mr. Cooper had my mortgage and they called me about refinancing and I thought that it would be a good solution to my issues. The only thing that was confusing was, I had one guy call me and say he was going to be my point of contact. Then, the next day, I had another guy call me and he was taking over for the other guy and he sent me some stuff. Then two days later, I had another guy call me and tell me he was handling it. I felt that I didn't know exactly who I was supposed to be talking to. Plus, I had several different iterations of the same package sent to me to sign but I had done that two days earlier. But other than that, it was fine. I just completed the refinance and it combined some home equity and a lot of credit with my primary mortgage and it's going to be a little bit cheaper for me. Overall, I'm quite pleased with it.
Reviewed March 13, 2018
I had NationStar mortgage. Mr. Cooper stayed with me on the whole thing, got everything pushed through quickly and I got all my stuff done. Everybody likes to go through it quickly. I asked about refinancing my old mortgage to pay off some bills. My friends saw me firsthand do the refinance process and they said, “Yours is already done?” I was like “Yes.” It went through quickly, they set up all my stuff, and all I had to do was electronic signatures and then I’m already done. The checks were out there in the mail in no time, and we refinanced. Now, there’s more money in my pocket and I'm not paying a whole lot of interest on credit cards so I’m happy that I went through with it and refinanced with Mr. Cooper. I want to go bi-weekly payments and I have to talk to them about that. My experience was great and I recommended them to a friend already.
Reviewed March 13, 2018
Mr. Cooper kept sending me letters in the mail saying I was eligible for refinancing. I already had my mortgage with them, so I just worked that way with it and the process was fairly easy. In my experience, if you try to refinance, most agencies tell you that you don’t have to bring anything to closing. But then, when you get at the end of it, it’s always different.
I wasn't expecting to spend as much money as I did, but since I started the process at this loan, I just went through with it. That may be something that most businesses do to get you hooked in. The process at Mr. Cooper's was pretty lengthy but the people were friendly and cordial, and they explained everything to me. Once I got everything together, it was fine. The loan process took them about six months. They say I lucked up, but the law changed at the end of the year. Since the refi, I got a lower interest rate and I got a shorter time to pay my loan. So I benefit from the loan, and I'm satisfied with Mr. Cooper. I would probably tell my friends to make sure that whoever they work with, they get everything and write as much as they can ahead of time.
Reviewed March 12, 2018
The loan agent (Tony **) was very easy to work with. He was very knowledgeable, helpful and respectful. He listened to me carefully to understand needs and explained the process thoroughly. I would definitely recommend others to Mr. Cooper for a mortgage based on my experience with Mr. **.
Reviewed March 12, 2018
This was a very painless transaction - and was completed in very quick time. I was done and had the check in just less than a month from the time I initiated the re-fi effort. I had tried the same with another mortgage company - and after 1 month, and the third request for more documentation - I asked them to stop the re-fi and moved to Mr. Cooper.
Reviewed March 12, 2018
Absolutely first-rate experience all around. They were extremely helpful, professional, and patient in stepping in to help us on a refinance-in-progress with another lender that had gone horribly wrong. We had a great team working for us -- trustworthy, competent, and responsive -- and I can't thank them enough. Special shout-out to Mr. Richard ** for taking lead and straightening out the mess we'd gotten ourselves into -- thank you so much!
Reviewed March 12, 2018
My experience with Mr. Cooper started out fine. However, the communication was lacking on the part of the individual that I was dealing with. And then, when things got turned over to the underwriter, it was even worse. If I don't hear anything for a week, I expect at least an email that tells me what's going on. I got none of that. Granted this was not an easy refinance because I had bankruptcy, the thing that bothered me was the gentleman, Ray, kept referring to my multiple bankruptcies, which I did not have. I explained that and I got tired of him calling it multiple bankruptcies. I was really irritated with that.
Then Mr. Cooper had to turn the loan to an FHA and I figured I'd go ahead with it even though my house payment is now over $100 a month higher than it was with a lower interest rate because of the PMI attached to the FHA. I'm not happy about it. The only individual that I dealt with that I was really happy with was Jason. The first time I talked to him, I said I expected to hear from him every week on what was happening, and he kept me informed of everything. I have gotten from Mr. Cooper everything that they said I would get, but if a friend asked me, I would probably tell them to go someplace else.
Reviewed March 12, 2018
We already have a loan with Mr. Cooper, so we refinanced a mortgage with them. We got the refinance done in close to three weeks. Everything was wonderful with the reps. They were very knowledgeable and helpful. We rolled an equity line into our loan and lessened the years of the mortgage from 17 to 15. Also, we were on an adjustable rate and they gave us a really good fixed rate. We enjoyed doing business with Mr. Cooper and we had a good experience with them. It was so easy to do the refinance online and not have to go into the bank every other day and sign documents. The process was very streamlined. If I hear of anybody who's willing to refinance or get a mortgage, I would definitely recommend Mr. Cooper.
Reviewed March 11, 2018
My mortgage was sold, and Mr. Cooper was my mortgage company. The reps responded when I called and they were accurate with information. Any questions that I had, they answered promptly. Mr. Cooper helped me pay off my debt and my mortgage didn’t go up too much as I thought it would, so everything worked out perfectly. Mr. Cooper has excellent customer service and my experience with them was wonderful.
Reviewed March 11, 2018
Refinancing was something I was planning to do, and Mr. Copper did a great job. Rogelio, the first guy I talked to, did a great job. The refi process was done in a timely manner and professionally as well. I was satisfied with Mr. Cooper and I would highly recommend them.
Reviewed March 11, 2018
The payment interest zone is going to blow up and the payment is going to go to 1000 more. Mr. Cooper is the servicer of my loan and they said that they're the one that could do the refi because of the DTI issue I had with self-employment. It was like a hostage situation and I had no choice. I called 26 other lenders and they couldn’t do anything. I got a little overcharged for fees to make it happen, and I don’t accept that. The fees were really exorbitant. Stiil, the payment enough is the benefit or just getting out of the interest zone and into any effects there is. Yet I would tell my friends who would ask about Mr. Cooper to watch out for the fees.
Reviewed March 10, 2018
Our house loan has always been through Mr. Cooper. Our son rents the house from us and we need him to make the payments at a certain point but he couldn't make them. Our interaction with Mr. Cooper's reps was very positive, and the lady named Lyn was excellent. She seemed like she really cared about our circumstance. As long as Mr. Cooper's making the payments, I'm happy with them.
Reviewed March 10, 2018
My interaction with the reps of Mr. Cooper was okay. However, Eric, the one gentleman that I spoke with, didn't have too much compassion when I had questions about certain things. It was more or less, "I just wanna get off the phone and just give you whatever answer I can give you." But I was able to talk with Dianne, the one doing the loans. I spoke with her a few times and she got all my questions answered. She took care of everything, and she was very good at her job. They were also very quick and reasonable as well. They got my interest rate a lot lower than what I had expected.
Updated review: March 13, 2018
We did get the check about a week and a half later. Matter resolved.
Original Review: March 9, 2018
Mr. Cooper's automated phone system is long & aggravating for the user! When FINALLY able to speak with a real person I couldn't understand half of what they were saying. They must outsource the call help to India or Pakistan. Very aggravating!! The representative told me to FedEx the claim check that they had to co-sign & then they would FedEx it back to us. A week later I called to check on the process & found out that they sent our large & much needed claim check by regular USPS snail mail! I explained to Mr. Cooper that it needed to be sent FedEx because our mail service is so bad & was told that they would. Now our work may be delayed because they said one thing & did another!
Reviewed March 9, 2018
I would like to thank Swaha ** (Loan Processor) for the great service that she provided. She was there whenever I called to answer any question that I might have. Anthony ** (MP) and Melissa ** (Closing Coordinator) were also helpful and very professional. I especially liked that I was able to sign the closing documents in the comfort of my home.
Reviewed March 9, 2018
I worked with Mr. Cooper around a month ago on refinancing my mortgage and they did what they said they were going to do. They told me what my options were and I made my own decision. They did great. They told me the closing cost was going to be around $7,000 something. I wouldn't have done that. But they got it knocked down to $3,000 which is outrageous. I was supposed to pay twice. They're like Santa Claus. They speak not a word and get straight to their work and get it done.
Reviewed March 9, 2018
I had Nationstar for my home loan originally. Then Mr. Cooper contacted me when I was making a payment and they told me to refinance a house. I told them it was okay. The mortgage professionals from Mr. Cooper were Johnny-on-the-spot at first. But once you signed the papers they don't return the calls. We had an issue when we changed insurance companies in the middle of all this refinance so we were trying to get back but it all worked out in the end. However, it would have been nice if the person answered the phone or at least called me back just to confirm it. My wife and I were both contacting the person.
Also the reps told us one thing but they ended up charging us something else. The upfront fees were about $200 more than they actually communicated to us so it bothered me that if there was about $400 or $600 out of pocket, it had been $800 out of pocket. It was a waste of time to fight and argue it so I just let it go like most people did. But it would have been better if our communication was a bit better and if they were more upfront with their numbers. If people ask about Mr. Cooper I’d tell them that they lie.
Reviewed March 8, 2018
My original home loan got sold to Mr. Cooper and my experience with their reps has been great. They were professional, courteous, and expedient in everything they did. The communication was really good. They were very responsive and had answers to all my questions, and they gave me all my options that I was wondering about. I had a cash out when I refinanced and I got to stay in my house. Other than that, not much has changed and they're the same company that I was still making my payments to. I would recommend Mr. Cooper since my experience with them has all been good.
Reviewed March 8, 2018
We were with Citibank and then it was sold to Mr. Cooper. My husband died and I wanted to have the house in my name. Mr. Cooper's mortgage professionals were excellent. When I talked from the first person to the last, everything was taken care of in a timely manner and they were constantly in touch with me. I explained my situation to them and they took it over. They made the refinancing process very simple. I was very nervous about doing it all and if I was going to be able to do it but Mr. Cooper took all the worries away. They sent me papers and made everything very easy and clear. I got the cash and had peace of mind that the house is mine now. I would tell my friends to call and try Mr. Cooper because the staff that I dealt with was excellent and very helpful.
Reviewed March 7, 2018
I've been a Nationstar Mortgage client for a long time. My interaction with Mr. Cooper professionals was excellent. They are efficient communicators and they treated me very well. We did it last month so we're starting the payment next month to reduce the mortgage by $300. It was good. The staff did a really good job. They were very pleasant as well. I would tell a friend that Mr. Cooper is easy to work with and for a mortgage solution, they do a good job.
Reviewed March 7, 2018
I was redoing the painting on the inside of my house. I had a mortgage previously and Mr. Cooper took over that. The first rep helped me on the spot. I had answers in six hours on where it was going to be, and he called me back the next day, so it went really smooth. I like the app and being able to do stuff online because it makes the process easier. The people at Mr. Cooper gave me a lot of scenarios and went through each one, with me being able to understand that this loan may be good for me. Then a lady came out for the closing, and the loan process was completed in less than a month. Everything worked great and our payments are lower now.
Reviewed March 6, 2018
We've been with Mr. Cooper forever. The mortgage company used to be called Springfield way back in the day. And so we just stayed with them and then as they were bought out, we just continued our mortgage contract because we like the service. Mr. Cooper's service just keeps getting better and better, so when we need to and it's the right time, we do a re-fi to help improve our credit or when we need some money to take some equity. Everything's online and it's so user-friendly.
It was a really smooth transition for refinancing. The transition was easy because they have our financial history and that's why my husband likes to stay with them. We didn't have to go digging for stuff. If there's any red flag, then all we need to do is to look for one form. It shortens the whole process. Also, the guidance was very good. We're trying to improve our credit and get higher scores so six months ago we did a refi and they said that if I continue with keeping my credit as is, I would be able to do another refi to drop down the interest rate. They gave us options and that's what I like. We talked it over and decided that way we will get a better interest rate. Now, I have couple of extra dollars in our pocket.
Every rep that we had to interact with was very good. Mr. Cooper provides open communication and they expedite very smoothly. Whether it's online or whatever, they'll let you know so that you're not in the dark. Then if you're not sure, you can call in and they're there to explain anything that you're concerned about. They're very informative, patient and so willing to help.
Reviewed March 6, 2018
I already had a home loan through Mr. Cooper and I refinanced with them. This is the third time I've refinanced and it was a good and quick experience. There was just one little hiccup with the title company and that bothered me a little bit, but it was resolved quickly and everything was fine. It took less than a month to get the refi. However, earlier in the month when I got online, I was able to see all three accounts, and I was able to click on each one and review the tax information. Now all of a sudden, that is no longer available. I got on it last week and I wasn't able to see my new account, the one that I need to pay every month. I called to ask about it and they said my account was locked. They would have somebody unlock it and it would take a few days. I checked yesterday, which was more than a few days, and it's still the same situation.
I called and spent a lot of time on the phone. Most of it was on hold waiting for somebody to pick up my call. Mr. Cooper has the option to leave your number and call back, but I did that a couple of weeks ago and I never got a callback. The rep said it was going to take another 24 to 72 hours. I said that my bill was due on the 1st, and she said, "I can take your payment over the phone and waive the fee." I did that and now it's fine. But I want to be able to get on my account again and I want to see everything without any problem.
Reviewed March 5, 2018
I have not received a bill from them in the past two months so I tried calling to talk to somebody about it and was on hold for 18 minutes until I hung up and sent them an email. That was over a week ago and I never heard back from them so I tried calling again today and they said the wait time was over 10 minutes and that I should call back another time and hung up on me. Very frustrating. I'm just try to get my bill so I can pay it on time.
Reviewed March 5, 2018
Nationstar bought our loan and we refinanced with Mr. Cooper recently. They called and we were already with them. We were stuck with a line of credit and we just needed to fold that into the original loan. Their reps were all nice and were able to help us. You should use them.
Reviewed March 5, 2018
I decided to refinance to do some home repairs. Mr. Cooper was easy to work with and I liked their apps, payments, and check and balance. My interactions with the reps were very good, smooth, and not irritating. If they called and it was a bad time for me, they said, "No problem. Call back when it's a good time." It was easy to schedule with them. The whole process took about three weeks. Mr. Cooper offered some high-interest plans and I could pay off some interest then take the deduction on the interest, which was about the only thing I could take anymore. My experience with Mr. Cooper was excellent and I highly recommend them.
Reviewed March 4, 2018
I called Mr. Cooper about some other reason and their rep asked me about refinancing and got me interested. Patrick was very helpful. He walked me through the process with me on my cell phone. I really like him and I recommend him. Mr. Cooper explained a lot and I would use them again. I trust they did everything.
Reviewed March 4, 2018
I've had loans with Mr. Cooper for a long time. They got in touch with me and told me that they could save me money with a refinance. The reps were extremely efficient and right on their game. The two representatives that I dealt with were both named Eric and they were both very good, and they should be given a pat on their back or a $10 bonus. They were able to simplify the process for me. This process is tough because a lot of times the lenders' reps would ask the loan applicants to submit things and after the applicants had done that, the reps would come back and say that they needed something more. But that didn’t happen once during my refinance process with Mr. Cooper.
We did the refinance in 28 days, which is unheard of, and the process went faster than any refinance I've ever had. I've had 20 homes closed over the years, so I've done this process a lot of times. That is why I can compare it to other ones and this was the easiest, simplest and quickest. I was able to save money in my refinance with Mr. Cooper. I also got some money at equity out of the home that I was refinancing. Doing a refinance Mr. Cooper should be very simple and quick, and I would recommend this company.
Reviewed March 3, 2018
I was trying to do some home repairs and I refinanced with Mr. Cooper on the internet three years ago. They had no down payment requirements and refinancing cost. The interactions I had with their mortgage professionals were excellent. They were very friendly and helpful, and wanted to make sure I understood the process. They would often call and email me to make sure I knew that the information was coming. That was on top of the game and a plus for me, and I really appreciated it. The guidance I received from them was great and I wouldn't expect anything less than what they did. It was a really simple process. Mr. Cooper had better rates. I had to back off because there were some other things that I wanted to do, but the amount of years that I financed for was lowered. Mr. Cooper is a great company to deal with and they have excellent customer service. I'd recommend them and I've told other people about them.
Reviewed March 3, 2018
I got a mortgage around 2008 with Nationstar and it converted into Mr. Cooper. Recently, I refinanced with them because of the circumstances involved in the home when we first bought the house. The Mr. Cooper representatives were professional. They worked forward with me and they took care of everything and kept me abreast of everything that was going on. They were very knowledgeable too and as the process went along, they gave me my option. They would let me know what they could or could not do. They did a good job and it was an experience that I have never had before in dealing with a mortgage company. I was able to save big with this transaction with Mr. Cooper. I highly recommend them.
Reviewed March 2, 2018
Mr. Cooper's representatives, Nina and Christina, were good, and Michael helped my husband with our paperwork, emailing it back and forth. We liked all of them. The branch that they came from was awesome. They also told us we needed to fix a crack in the wall, and we got it fixed. We benefitted when we refinanced our loan with Mr. Cooper. And we're doing good with the house.
Reviewed March 1, 2018
When doing my taxes this year, I discovered that Mr. Cooper had not issued a 1099-INT for interest accrued on my mortgage escrow account for 2017. After three weeks of inquiring with Mr. Cooper to figure out why, they finally advised that California state law had changed and that they are no longer required to pay interest on escrow accounts. There was never any notice from Mr. Cooper of this change in the nature of my escrow account, and their customer service response has been very poor including the last person telling me that "if you didn't want an escrow account, you shouldn't have signed up for one in the first place..."
I have done some research and determined that the existing CA law still requires them to pay interest on escrow accounts. I am awaiting a response to an escalation request with Mr. Cooper, but I am disappointed that I have to fight with them over something so simple. Even if the law has changed, I feel that they should have notified account holders that they should no longer expect interest on their escrow accounts. Secondarily, they should have notified their customer service operation to anticipate questions about missing 1099-INT forms to alleviate weeks of inquiries to finally get to their version of the "truth." Very bad planning and customer service from Mr. Cooper.
Reviewed March 1, 2018
I was very pleased with the speed that this Mortgage Refinance went through. The personnel that helped me were very knowledgeable and thorough. They took the time to explain the process and everything went smoothly. I received fast and friendly service. I am pleased with the mortgage offer and satisfied that I will keep the mortgage for the life of the loan.
Reviewed March 1, 2018
The Mr. Cooper team was very knowledgeable and efficient, special thanks to Frank ** and Jason **. The entire loan process went smoothly and was easy for me to understand and follow. I had a great experience with Mr. Cooper and would recommend them to anyone.
Reviewed March 1, 2018
I was trying to get some money out of refinancing my old mortgage. My interactions with the reps of Mr. Cooper were good. They simplified the process and made it easy. They also let me know the update of what's going on that day. I'd recommend Mr. Cooper to other people and I'd probably do it again.
Reviewed Feb. 28, 2018
I have been refused an opportunity to re-finance my current mortgage because I do not have an SSN. I am a UK Citizen and have a current mortgage with Mr. Cooper alias Nationstar of Dallas Texas. Like many of you my mortgage was transferred to this company from a previous lender. In my case Bank of America. By law banks can transfer the loan to other lenders. I pay a rate of 6.85 % and have been paying this since 2007. The requirement for an SSN number is optional. However in the case of Mr. Cooper they use this loophole in US Financial law to extract the max payment from their customers. Shocking behaviour and unfortunately no redress under US law. I have had to look at alternative mortgage providers that will take on foreign investors with the right credit rating.
Reviewed Feb. 28, 2018
We looked into refinancing because of the lower rate and our rep from Mr. Cooper was courteous, upfront and knowledgeable. They were excellent and the guidance we received regarding our options was good. Now, we pay less each month.
Reviewed Feb. 27, 2018
In general, the Nationstar folks seemed competent, efficient, and organized. Once things were handed over to the closing company - Inspire Closing - the process became repetitive, confusing, disorganized, and dysfunctional to the point that we came close to cancelling the whole deal. I would recommend Nationstar, but not "Inspire" Closing; they did *not* inspire confidence! I think the name Mr. Cooper is creepy and unbusinesslike, and I wonder who the hell came up with that idea. Nationstar is a fine name; stick with it!
Reviewed Feb. 27, 2018
My mortgage was taken over by Mr. Cooper and received a bill for payment so I called since I was set up for automatic payments with last company. Was told by their rep that I had to set up payment online for them. So I did and made my payment. Then a day or two later they took the payment out of my account again. This caused my account to overdraw and had additional fees charged by bank. Called again, spoke with rep and was given email address and direct extension he assured me will take care of. Emailed twice and got no reply so called again. Could not reach Jonathan at his ext so another rep told me would take care and call me back in 10 minutes. No call. Have spent hours on phone and emailing been over 10 days and still have not gotten my money back. This company has worst customer service I have seen in a long time. I am now late paying other bills waiting for my funds to be returned.
Reviewed Feb. 27, 2018
The one I dealt with from Mr. Cooper seemed to know what they were doing. They were fantastic. They were very helpful and courteous, as well. I've never had any misinformation given to me. I've been totally pleased with them.
Reviewed Feb. 26, 2018
We had a hurricane in Sept. 2017 and they called to see if I needed to defer a payment. I didn't call them, they called me. So because I had missed some work I said yes to deferring my Oct. payment. Before the end of Oct. I was got a letter about being behind on my pmts. I called and talked to my "loan specialist" and was told she had to wait until after Nov. 1 to file the deferral plus I had to make 3 monthly payments on time and then the Oct. pmt would be deferred. So I've made every other payment and now they are saying the loan is behind. I called and she says the deferral was denied because I was behind on the Sept. pmt. which isn't true, that pmt was made in Aug. They should have renamed it Mr. Liar.
Reviewed Feb. 26, 2018
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.
Reviewed Feb. 26, 2018
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.
Reviewed Feb. 25, 2018
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.
Reviewed Feb. 24, 2018
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!!!!
Reviewed Feb. 24, 2018
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.
Reviewed Feb. 23, 2018
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.
Reviewed Feb. 22, 2018
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.
Reviewed Feb. 22, 2018
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.
Reviewed Feb. 22, 2018
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.
Reviewed Feb. 22, 2018
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.
Reviewed Feb. 22, 2018
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.
Reviewed Feb. 21, 2018
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.
Reviewed Feb. 20, 2018
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.
Reviewed Feb. 20, 2018
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.
Reviewed Feb. 19, 2018
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".
Reviewed Feb. 19, 2018
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.
Reviewed Feb. 19, 2018
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.
Reviewed Feb. 19, 2018
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.
Reviewed Feb. 18, 2018
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.
Reviewed Feb. 18, 2018
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.
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 Accelitator program. I recently found out my previous mortgage Citimortgage didn’t pay my home owners 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 Citi mortgage 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.
Reviewed Feb. 18, 2018
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.
Reviewed Feb. 17, 2018
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.
Reviewed Feb. 17, 2018
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.
Reviewed Feb. 16, 2018
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.
When you engaged people and send them off to a specialist, there is a disconnect. That first part was not very smooth and informative. I just ended working with that broker. This seemed to be a situation though where I believed there was more benefit of going back. It was one of those things that was a compromise on my part to continue to engage with Mr. Cooper. Once I got engaged with somebody that was helpful though, it went pretty smoothly. It’s lucky that I used them. There was some going back and forth on the numbers that I wanted to be paid out but at the end of the day, they got it all worked out. The loan officers and the brokers were very diligent. The person that came to our house, the underwriter, was really professional and timely. It only took us half an hour to sign the papers which was good.
I liked that the process was really streamlined. The other mortgage company that I went with was all paper and not electronic. Mr. Cooper was more electronic so it was much faster and more efficient. They also spent time with me to go through the points and made sure that I understood which was more detailed than the other broker I was with. Refinancing helped me pay out some debt. When you first call Mr. Cooper, make sure you write down the person’s name. It still dumbfounds me that I have to call Mr. Cooper back to make sure that our loan was going through. It should always be because “we’re-the-customer” type of thing. Be careful with the initial part, but once you get in the process, it’s pretty smooth. I was very impressed but just getting there was really bumpy.
Reviewed Feb. 16, 2018
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.
Reviewed Feb. 15, 2018
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.
Reviewed Feb. 15, 2018
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.
Reviewed Feb. 14, 2018
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.
Reviewed Feb. 13, 2018
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.
Reviewed Feb. 12, 2018
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.
Reviewed Feb. 12, 2018
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.
Reviewed Feb. 11, 2018
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”.
Reviewed Feb. 11, 2018
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 has been so wonderful that I was so grateful that my mortgage went to them in the first place because I had the opportunity to refinance and it worked out to be a very good deal for me. Once I got used to Mr. Cooper and their website, it was a very efficient way to do it. Mr. Cooper is going to steer you in the right direction. They'll take care of you, they'll be timely, and accurate. They will do what they say they're going to do and you'll be very pleased. They're doing an excellent job. Their customer service is very polite and efficient. They're very patient too and they seem to have a spark in their voice which really makes you want to continue talking with them or feel comfortable and confident that they're there for you.
Reviewed Feb. 11, 2018
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.
On the other hand, everything was great with Mr. Cooper reps during the refinance. They were very helpful and they answered my questions. They were pretty to the point of what was going on. They would call me and update me or call me right back if I needed them to. We are saving on our monthly payments which is nice because they were really high for the property that we have. So I’m glad that they’ve gone down and we could pay it off a little bit faster this way.
Reviewed Feb. 10, 2018
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.
Reviewed Feb. 10, 2018
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.
Then I started getting calls. I mentioned about my inquiry to that person and the response was, "Let's see what we have to offer you and not have you to wait a year." After that point, it went smoothly. The discussion of my refinancing options went very well. They stayed in contact and they explained well. The process was done in one month and I got lower interest rate. Plus, the payment was going to start a month later. However, I'm still getting phone calls and emails inquiring if I want to do a refinancing which is annoying because I'm answering the phone during my workday.
At first, the name was not a household name to me. It was new and it didn't sound like the usual name. So, I looked it up to learn more about them. And when I made a referral to someone and told them the name of the company is Mr. Cooper, they thought I was giving them the individual name and not the company name.
Reviewed Feb. 9, 2018
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.
Reviewed Feb. 9, 2018
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.
Reviewed Feb. 9, 2018
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.
They told me that they will not review me for any modification because I have had two already. I am in process of foreclosure. I have not gotten notice yet but... I wish they would review me for a modification because that 4 and 5 % increase totally threw me overboard to where I am at now!!! I want them to give me some modification or put my arrears to the back of the loan at this point. Two modification, 2009 and 2015, there should be some consideration because of loss of employment thereafter and yes I need a modification.
Reviewed Feb. 9, 2018
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.
I felt really good working with Mr. Cooper. Their reps always asked me if I had any questions and if I did, they were able to answer them very well. Otherwise, they would find out the answer and call me back. They did everything for me and most of the time, they would call me just to say that they've sent me documents I needed to sign and to see if I would need anything or if I understood everything when I was signing. I’d recommend them and would tell my friends that I had a very good experience with Mr. Cooper.
Reviewed Feb. 8, 2018
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.
Reviewed Feb. 8, 2018
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.
Reviewed Feb. 7, 2018
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.
Reviewed Feb. 7, 2018
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.
Reviewed Feb. 6, 2018
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.
My experience: I called their customer service about removing the PMI on my loan. I was told by the Mr. Cooper representative that I would need to be able to either, A) provide an appraisal showing the value of my home didn't fall and a payment in the amount that would lower my Loan to Value below 80%; B) provide an appraisal showing the value of my home had increased enough to lower my LTV to a certain amount; or C) possibly refinance my loan. The representative tried to avoid my follow up questions and was emphatic that the easiest way to remove PMI was to refinance.
But, because I was certain that any appraisal would show that my home has only gone up in value (I live in a hot market), and because I was able to make a payment to principal that would result in a LTV between 78-79%, I decided that Option B was the best route to take. The representative told me that I should call customer support after I'd made the payment so that they could connect me with the PMI department to take the further steps needed for removing the insurance.
After I saw that the payment has been applied in my account, I contacted Mr. Cooper's customer service and asked for the specific steps I needed to take to remove PMI (who I sent the request to, what forms I needed to fill out, how I would get an appraisal done, etc.). This representative I spoke with was very difficult to understand, but eventually confirmed my LTV was below 80%. She then proceeded to contradicted everything the previous representative I spoke with.
When I asked her what was require for me to remove the PMI, she told me that I would need an appraisal showing the value of my home increased to an amount that is 14% above what I bought it for (and while the prices of homes are up here, they're not up that much). If my home was worth the amount she provided, my LTV would effectively be 65%. I told her that the amount she was quoting is a 65% LTV and asked how she arrived at that value. She told me it was what "they" told her.
She was unable to tell me why what she told me was different than the previous representative has said. She also couldn't provide me any additional information about where this requirement is published, couldn't explain why the LTV value that "they" were requiring was different than what is published on Mr. Cooper's website, or why this requirement is different than what is provided in the Homeowner Protection Act. She couldn't say who "they" were, nor tell me how I could speak with or get answers from "they."
She was able to tell me all about how I could refinance my loan and probably remove PMI, because I already had 20% equity. The call ended with her telling me that she would send me more information about what "they" were telling her - I never received any of it. It was frustrating to act on information given by a Mr. Cooper representative and then get contradictory information, so I decided all further communication needed to be via their email portal or written. And I decided I should contact their customer support again, hoping that I'd connect with someone more knowledgeable - or at least would be able to confirm which of the previous representatives were correct.
I used Mr. Cooper's email portal to communicate what the two representatives had told me previously, asked the questions I had, and requested to get a definitive answer as to what was required to remove PMI, and what I needed to do (again, how to get an appraisal, if there were any form to fill out, etc.). I received an email the following day saying "Due to the nature of your inquiry additional research is needed. We have forwarded your request to our research team for further review. Please allow up to 7 business days for us to resolve your inquiry. You will receive a letter of resolution within 7-10 days after our review of your account." After several months I've gotten no reply or response. Following the information provided on their website, I sent a written letter containing the information they specified to the address specified. After 49 days and I haven't received any reply, acknowledgment of my letter, or any follow up contact.
Reviewed Feb. 6, 2018
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.
Reviewed Feb. 5, 2018
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.
I made sure to have my husband ask and ask and check and recheck many times that what program we were signing up for was the program with our payments tacked to the back half of our mortgage and was reassured many times that, that is what we had signed up for. IN FACT in Dec never put first payment was due and we spoke to a rep that reassured us that we did not have to pay the lump sum when our deferring was up. Lo and behold it's now February and we are being stuck with three months of payments although we were reassured a multitude of times this would not happen.
I WOULD NOT HAVE SIGNED UP UNLESS WE WOULD NOT HAVE TO PAY THIS LUMP SUM, I would have bit the bullet, took my losses and scraped together what cash I could to pay my mortgage as usual back when we had the disaster. ALTHOUGH I lost lots of work and had to replace all my fridge contents and it would have been hard. I thought this was a blessing... now I'm being told that those representatives LIED. I'm going to seek a lawyer. This is **. It's a shady companies with horrible reviews of a number of things that I can attest to as well.
Reviewed Feb. 5, 2018
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!
Reviewed Feb. 5, 2018
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.
Reviewed Feb. 4, 2018
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?
I used my savings and credit cards to get us to the 50% mark and called for an inspection so that more money would be released. When I requested additional funds from Nationstar, they required me to provide receipts to substantiate the money spent. Copies of my cancelled checks and credit card receipts were rejected. Nationstar then asked for my bank statements and credit card bills. This process of rejection and additional documentation took over six weeks to complete. All the while, we were bleeding funds in order to rebuild our house. I had to borrow money to continue with the repairs.
Every customer services rep has a different story and the managers are no better. You cannot get a telephone number or email address and calls are often routed overseas. We finally received some funds and called for our final inspection. The inspector showed up at 10AM, took pictures and said we were complete except for the countertops being installed. This was scheduled for 12PM on the same day. The inspector sent us pictures of the inspection and we, in turn, sent her pictures after the countertops were installed.
After a few months of going back and forth with the insurance company, we were sent a sizable check for the depreciation amount. This is money that I paid out of my pocket. Of course, the check was made co-payable to Nationstar. The check was sent FedEx and I had proof of delivery on 1/19/18. However, when I called Nationstar, no one would acknowledge receipt of the check. On 1/24/18, I did receive acknowledgment that the check had been received and cash rather than being endorsed and returned. I was informed by Nationstar that they could not release the check to me because they had no paperwork to support the check amount. I faxed the insurance auditor's report for the fourth time...all 74 pages of it.
I called multiple times and could never reach the same person. Finally reached a supervisor, Bryant. He informed me that my final inspection was not accepted and they would hold my funds. After speaking to Bryant, my on-line account was shut down. Another call, and of course, Bryant was not available. Bryant finally returned my call and said he was able to get the "executive committee" to accept my 98% inspection as a final inspection. My funds would be released. Called on Thursday and oops, executive committee was not available.
Called on Friday to find out that my check had been mailed and confirmed the delivery date of Saturday. But I was refused the tracking number. Friday night at 10PM received the tracking number but FedEx confirms that the check will not be delivered until Monday and must be signed for. So I have to take the day off and wait for the check. In the meantime, my on-line account was restored and the final inspection was approved on 9/25/17.
This company is deceptive and LIES. My mortgage was sold to them from BOA. I have read horrible things about Nationstar/Mr. Cooper. Why have they reorganized so many times and why is the mortgage banking industry not shutting them down? Unfortunately for me, I have another insurance check forthcoming that will be made co-payable to Mr. Cooper. I expect another go round for any excuse to hold my money. Once the insurance issues are concluded, I will definitely refinance just to get away from this PREDATOR.
Reviewed Feb. 4, 2018
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 live in a condo and we have a master casualty insurance policy so H06 insurance has nothing to do with my mortgage company, but these people continue to attempt to force me to increase my insurance. This insurance problem is just one complaint among many within the short time I have had the displeasure to dealing with these stooges. I've seen the same type of complaint against these depraved individuals over and over here and elsewhere. Why is the government allowing this extreme chaos to continue? From what I gather, they put nice people on the phone, but there are some wickedly depraved people who supervise or manage them. I want out. But it is not easy with a mortgage. If you have a mortgage and you get a letter from them, contact the attorney general in your state or a private lawyer to make sure they do not get involved with you.
Reviewed Feb. 4, 2018
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.
Reviewed Feb. 3, 2018
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.
Reviewed Feb. 3, 2018
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.
Reviewed Feb. 2, 2018
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.
I called again and had to lead the Customer Service rep to look in her electronic records for the scanned copies, and yes she found them and again sent a request to Research, with note of the scanned copies in their records clearly indicating they had received the check and Payoff Quote, so where was the check. Meanwhile the account was referred to their collections, despite the fact that their own letter of the mortgage purchase gave me 90 days of grace to transition payments. They then came back to say that they couldn’t accept the check as final payoff, that a certified fund was required by law. O.K. I told them that once I received my check back I’d send a Cashier’s check from the Bank. I’d also like to have the Federal Law that states the Payoff must be certified funds.
The 2 representative I had been talking to said the Payoff Quote would be honored because Mr. Cooper lost the check and delayed the return. It ends up they wouldn’t honor the payoff and charged me an additional $502.79 for the Payoff. The below was what I sent them and have waited 3 weeks to place this consumer rating hoping they would respond. Nothing to date at this time and I have yet to receive my clean title.
"Reference your letter dated 20 December 2017. You stated that the CitiMortgage payoff quote was valid up to November 16, 2017, and since you did not receive a certified fund prior to that date it could not be honored. Search your electronic data and records of calls. You received my personal check prior to 16 November, scanned that check and CitiMortgage Payoff Quote, but misplaced the check. When I called 2 weeks later to your service center they saw the scanned copies, put in a search request to your department to locate it."
"Your department then sent me an e-mail 22 November 2017, with PDF attachment saying you could not find the check or record thereof and please send you a copy of said check. I again called your service center and the representative again found the scanned copies of check and Payoff Quote. She then sent another request to find the check. She told me about the Payoff having to be a certified fund, but would honor the CitiMortgage Payoff since Mr. Cooper misplaced the check and still had it somewhere within the system."
"Your Company misplaced my $2099.53 check for over 2 weeks. I'm not comfortable sending more funds while you still held my check for the same. Once I received my check back from Mr. Cooper, 12 December 2017, (stated in your letter mailed 29 November) I sent the Certified Funds off on 13 December. I was told during the calls by 2 of your service representatives that The CitiMortgage offer would still be honored, I therefore wonder why is it your department will not do so. I also request a breakdown of why I am paying an additional $502.79 for this Payoff. I request that you Honor the Quote as stated by your representatives."
Reviewed Feb. 1, 2018
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.
Reviewed Feb. 1, 2018
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.
They got the interest rate and that's going to be fixed across the board. I was able to save seven years off the term of my loan. I was on a 30-year fixed with 22 years left on it at a 5% interest rate. I was also able to refinance at 3.75% for 15 years and saved myself about $70,000 in interest. I was contented to let them do the refinancing and got a good enough deal from them.
Reviewed Jan. 31, 2018
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.
Reviewed Jan. 31, 2018
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.
Reviewed Jan. 31, 2018
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.
The people at Mr. Cooper were excellent and honest. They did what they could and they got all the paperwork in. I signed everything and they sent the notary out. I asked if I had to pay anything in closing cost and they said no. I was misled up to a point because I wanted to keep my loan at 125 but now, my loan's at 131 which is annoying. I'm upset about that but it's better than nothing.
Since refinancing my house, I have financial stability because I was paying almost $1,100 a month. Being single and having my daughter, it was hard to balance things out but for the last 12 years, I've been doing it. It also gives me that peace of mind because they lowered my payments. I asked them to do that because I wanted my house insurance and they said once I had that, my insurance company would contact them and they'd lower it more. I've told three people about refinancing with Mr. Cooper and I told my brother that they are very good and helpful in taking care of things.
Reviewed Jan. 30, 2018
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 still pay my own mortgage and my son has nothing to do with paying it. But because Mr. Cooper charges $14 since I pay the mortgage through the phone, my son wanted me to give the money to him and pay it out of his account, so it seems like he was paying it. However, I wanted to be in charge of my own home where I've lived for 53 years. So, I'm not going to leave it standing the way it is and I want my daughter's name on that too. Other than that, the mortgage rate went down from $10,000 to $8,000 and I'm well-satisfied with Mr. Cooper.
Reviewed Jan. 29, 2018
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.
This is how they treat their customers. My mortgage is current (actually paid ahead) and I can't get those Cooper idiots to stop calling me at all times during the day and night. And my USPS junk mail load has more than doubled since they bought my mortgage. They are constantly after me to refinance my mortgage with them. Little do they know, I am going to refinance it to get away from them. I can't wait until the day I am free of them for good!

I will reach out to you within 5 business days with the results and resolution to your concern.
Please do not hesitate to contact me if you have any questions or concerns. You can reach me by dialing 1.469.240.4579.
Thank you. ^Patricia
Reviewed Jan. 29, 2018
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.
Reviewed Jan. 29, 2018
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.
Reviewed Jan. 28, 2018
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.
Since refinancing my home with Mr. Cooper, I got a month off of a mortgage payment, which was helpful. I also shaved about $200 a month off of my mortgage payment. Without having to increase my mortgage, I added an extra 10 months to it and that was a huge benefit. Overall, the whole process was done in four weeks and the closing agent who came to my house to complete the process was awesome. It was a fantastic experience. So, f you’re a busy person and you need some guidance and you don’t have all the time to go through and shop yourself, Mr. Cooper will give you all of your options and make it really easy to come up with a decision, and execute it really quickly. You don’t have to worry about waiting in the wings or having to follow up. They are professionals and very proactive.
Reviewed Jan. 27, 2018
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.
Reviewed Jan. 27, 2018
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.
Reviewed Jan. 26, 2018
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...
Reviewed Jan. 26, 2018
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.
Reviewed Jan. 26, 2018
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.
Reviewed Jan. 25, 2018
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.
Many told me they were transferring me to a supervisor when I begged them to only to hang up on me, and I would have to call back and start all over with a new person. Some even gave me a extension # to reach them if we got disconnected only for me to find out there was no such extension. To try to make a VERY long ordeal shorter, it took me 4 1/2 months to reach a gentleman who said "I hate to tell you but you have not talked to a supervisor until now" after I told him it had been 4 1/2 months and me talking to 6 different supervisors. I told him not only did he have morons working for him but liars also then, as I had been told I was speaking to the supervisor when these people were just sending my phone call over to their next cubicle buddy who was pretending to be a supervisor. He finally got the escrow account reading correctly but I could NOT get them to admit I had overpaid due to their mistake.
I gave up on that one as they had finally resolved the account to read correctly even though I had kept sending more and more payments in, as they requested, and they assured me when it all got straight I would be refunded any overages. They had kept putting these payments into a suspended fund and then finally put it against my principal (so they say) instead of posting it to my escrow, but I will go to my grave knowing they kept my overages that I was told to send in so it wouldn't damage my credit report. This year again in January I go online to see there is a shortage to my escrow account so I go and change my ins. co. who went up so high it was ridiculous. The difference in my new policy was $600 a year, yet I was told to still send in the shortage and they would straighten it out once it was all posted.
I should be awarded a refund and a reduction on my monthly payment. Well, then they send the old ins. co. a check even after the cancellation was sent out. My new ins co was also sent a check. I get a refund check from the old ins. co. and try to call them to see what I am suppose to send them as obviously I got a $600 deduction so I shouldn't have to return it all. Yesterday I went to my credit union and had the lady who was finally trying to help me from MR. COOPER (stupid change of name) after days of no one returning my call or answering the phone when I could get through talk to the manager of the Credit Union. The manager explained to her there would be a 48 hold on the check before she could transfer it.
The lady (Alma) said since there is a 48 hold on the check at my C.U. she will come on Saturday and straighten everything out and redo my escrow analysis again to show the proper amount and that my monthly mortgage payment would go down and I should get a refund back since I already paid the shortage from the analysis that was done on 12/18/18. I am sitting here praying for Saturday to go online and see all these promised changes. This isn't even all the corrupt issues I need to address. In late September, 2017, my friend called me and said she was made aware of a forbearance program with Mr. Cooper where you were allowed to not pay, Oct, Nov, Dec, payments due to hurricane Harvey with no cost to you. I went online and saw this so I called and the gentleman aka Liar I talked with assured me 6 times it would merely be added to the back of the mortgage loan and I did not have to do anything. I never signed anything.
I went to MD to take care of my 97 year old Mother and used my sister's computer each 1st of the month to pay my bills and I looked on MR. C site and sure enough Oct 1st it showed no payment due as well as in Nov and in Dec. to my shock and almost heart attack, it said amount due $3715.32. I had to pay almost $4000 by January 1st to cover these last 3 months and January. There was also a $30 charge on that statement that they said I owed with no explanation what that was for. I got right on the phone that very day and tried for almost a week to get in touch with anyone who could help me. They said that is not how the forbearance program works. At the end of the 3 months you have to refund the 3 months plus the next month so 4 months of payments at once or she could add a code to your account and then it went before a review panel to see if the payments could be placed on the back of the loan.
I told the lady that is NOT what the man told me and she said, "Well, he didn't get the correct training then because that is what had to be done." She said she would remove the $15 charge as it was for a drive by inspection before they could place the payments at the end of the loan. Here they are charging me before they even knew if I would go that way or pay the payments in a lump sum. My friend was told the same thing. I immediately sent the entire amount to them with a check from my credit union as at that point I did not trust them one little bit with a personal check.
The lady I talked with about this program is on the site stating she is the official in charge of the forbearance program. Did NOT give me a warm or fuzzy feeling to know she did not take off (still there today) the drive by inspection charge and to add insult to injury, the next time I went online it was now a $30.00 charge and a message at the top of the page stating "Congratulations, the modification to your loan is completed". I never asked for or approved or signed anything asking for a modification to my loan but now realized this game they were playing with all their customers. They wanted each and every person who accepted the three months forbearance program to cave in to their threats and refinance through them. They would be the very last people I would refinance through.
If what they are doing is not illegal...it should be. It is definitely NOT ethical to have people state obvious lies to you and then state they must have been improperly trained but you the customer now must pay the piper. I would like to see something done about this company asap. My friend and I are submitting a complaint to the Attorney General's Office. I hope everyone who reads this and had a similar dealing with this company do the same thing. This is a fraudulent if not, at the least a terribly unethical company, that needs to be stopped asap. They are using your hard earned money to get out of the problems their company is having and punishing you...their customer.
Reviewed Jan. 25, 2018
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.
Reviewed Jan. 25, 2018
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.
I like the amount of attention they gave me as far as keeping me up to date and calling me when they were supposed to, checking up on me and making sure everything was okay. They answered any question that I had to make me feel comfortable throughout the whole process, which took about three weeks. They sounded very well versed and they did a good job of explaining why those processes were needed to be in place. The biggest benefit I had was being able to graduate from college. I only had $3,000 left to pay for school and I was able to pay that so I can graduate this February. Mr. Cooper worked out really well for me.
Reviewed Jan. 25, 2018
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.
Reviewed Jan. 25, 2018
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.
From what I was quoted on the front end for my refi was basically just a few cents difference in what the final monthly payment was. I was really impressed that I wasn't just given some spitball figure and get hit with something later and have wasted my time. I was given a pretty much the exact figure in the beginning. Throughout the whole process, nothing changed. There were no curveballs thrown my way. I was really happy with the way everything went. I'm a police officer by trade, so I'm distrustful of most people. But I felt really relaxed and comfortable with Mr. Cooper. I got straightforward info and they followed through on everything that they promised that would happen. I've already recommended Mr. Cooper to a couple of friends.
Reviewed Jan. 24, 2018
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.
Reviewed Jan. 24, 2018
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.
Reviewed Jan. 24, 2018
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.
I received an email telling me that I needed to take care of that. When I came back, however, I didn't have time to do it. They then sent me a new email and that wasn't there any longer. It was a whole different approach because it had been taken care of and the new loan was in place whereas before they would ask me if I want to discontinue the direct debit on the site. I then called and the customer service took care of the issue. They explained to me that I could do that so I was able to go in an discontinue that. I wish there would have been the opportunity at that point to indicate that I want to continue the new loan with direct debit. Because I don't know if that is on their end or do I go to my bank.
Also on my past loan my due was on the eighth and now they tell me that it's on the first. I wanted to change that so I looked on the site and it wasn't easy to find. My money is allocated in terms of budget and I thought it was going to be the eight and it's not a minor expense. I also called them about that. When I first called, the customer service people were busy and I thought it was going to be the same experience with Nationstar but when the customer service person was not able to answer it went directly to a loan officer and he began to help me. I would recommend them.
Reviewed Jan. 24, 2018
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.
Reviewed Jan. 23, 2018
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.
It's assumed that people will pay taxes, but I remember them getting the tax bit and I'm not a tax person. This is my first home and I wasn’t sure what the taxes were, but I assumed that the mortgage company is going to take this into account. However, Mr. Cooper didn’t do that and I ended up suffering from it to where I had to refinance so I could afford this thing in my home. It wasn’t something that popped up. It was something Mr. Cooper received, so they knew what it was. But they made it a big surprise for me since they didn’t collect enough paid taxes. They wanted to pass the cost of that mistake on to me, but most homeowners are not tax professionals. But the guy who did it for the second time was knowledgeable and did the taxes right. Everybody kept in contact with me and it was great.
Mr. Cooper should make sure people understand the tax documents when a person buy the home through them and I happen to get lucky with a person. I would have that as faith. People should make sure they check all their documents, understand what they're signing and if at any time they're signing their name for something, they're making a commitment and that’s something everybody should know when going into a home. Nevertheless, the guidance that I received from Mr. Cooper was straightforward since I'm a veteran and I did an IRRL refinance. I was much geared to going with my refinance versus looking at different options to do it. Having a month where I don’t pay for them was a benefit for me. Also, my mortgage payment is right back where it used to be.
Reviewed Jan. 23, 2018
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.
This time turned out to be better after a few bumps. It also went a lot faster than our attempts before. When we tried it before, when they were still called Nationstar, we would be going round and round with them for a couple of months each time. This time, their reps were nice and friendly. At first, I was really apprehensive about it because of what happened before but the conversation was able to carry on long enough to get past that. I was able to see that this time might be different, and when it looked like it might not, we got past that too. One lady made it so that we wouldn’t have to jump through any mortgage.
We didn’t have to start the mortgage over. We had 19 years and so many months left and 20 is not that different. Moreover, we got a couple months off for making the payments. It feels good to have it done. Unfortunately, we are now getting a whole bunch of junk mail for mortgage insurance. There are days where we’re getting two or three pieces of mail about mortgage insurance.
Reviewed Jan. 22, 2018
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.
This led me to believe as it would any person of average or even below average intelligence that you IN FACT received my payments for November and December. It was only when I logged onto my account through your website that I was confronted with the fact that my payment had not been processed as I had thought. Now my account is showing 80+ days overdue. I did not receive a phone call or an email alerting me to the fact that there was an issue with payment. I tried calling when I was alerted to this and was told that you were unable to retrieve my bank information. You are the only mortgage company that I have dealt with that has failed to notify me as the consumer that there was a processing issue with my payment. Not only was I not properly notified, the notification that I did receive was a pre-foreclosure letter.
To me this seems like an attempt to have customers inadvertently default on their loans so that you can foreclose or request payment of the full loan amount up front. This is messing with people's credit and homes. It also highlights that your "re-branding" efforts are not working. I read your reviews (and I will be posting a 1-star review myself after I complete this letter) and I am not the only person that feels as though you guys are being shady. You need to increase your response to your customers. I am also wary of the fact that you bought out my loan in the middle of settling a regulatory lawsuit. This does not instill faith in your reputation.
Your tagline is "We see home loans differently. We see it through your eyes." Obviously you don't or I would have been contacted (like every other business does) when there was a payment processing issue. Again I would like to re-iterate how extremely disappointed I am - especially being a new customer- with the service provided so far. I cannot in good faith recommend your company to anyone and in fact will do my best to dissuade anybody from using your services. YOU NEED TO DO BETTER!!! Also please note that I am sending my November through January payments via certified mail with a copy of this letter attached. I fully expect (as I was told by Michael in Texas today 01/22/2018) that there will be ZERO late fees or penalties as this was YOUR fault.
Reviewed Jan. 22, 2018
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.
Well, I knew that already because I knew the amount that they had paid. I also know not all counties have this available on their websites. I don't understand how they don't care that something they chose to include on the report is inaccurate and they don't care. They get the use of this escrow money all year long but they don't take their responsibility of reporting to the customer what they did with that money. Be cautious and always check the numbers. Don't rely that they will have reported the correct amount.
Reviewed Jan. 22, 2018
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.
Anyways when I call I was met with rudeness, very defensive reps, and they talked over me. Not to mention Terry from the escrow dept couldn't do simple math. I told her that I may want to opt out of them paying my homeowners ins. so how much would I pay and when... she was unable to help me. WTF! Very dissatisfied. Horrible company!!! Looking for new mortgage co. and BTW I had to be added on the account due to my father the policy holder being on hospice due to terminal lung cancer, so he can barely speak, I explain this and was literally told they couldn't verify him cause they couldn't hear him and I was helping too much. Even after I expand the situation was told they couldn’t help and I should call back and speak to someone else. I was outraged and transferred to a supervisor who then apologized and authorized me. No manners, horrible.
Reviewed Jan. 22, 2018
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.
Reviewed Jan. 22, 2018
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.
Reviewed Jan. 22, 2018
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.
Reviewed Jan. 22, 2018
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.
Reviewed Jan. 21, 2018
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.
Mr. Cooper Company Information
- Company Name:
- Mr. Cooper
- Company Type:
- Public
- Address:
- 8950 Cypress Waters Blvd
- City:
- Dallas
- State/Province:
- TX
- Postal Code:
- 75019
- Country:
- United States
- Website:
- www.mrcooper.com
