Mr. Cooper Mortgage Login – How To Access & Manage Your Account Online

Mr. Cooper login page is the fastest and easiest ways you can make your Mr. Copper Mortgage Payment as a legitimate homeowner. This makes the portal’s online payment very fast, efficient, and free. When you make your payment online, it means you determine when you want to make the payment, and ensure you have a track record of when the payment was made and enable you to avoid late payments.

This post will guide you on every information you need on how to manage your Mr Cooper account online. The Mr. Cooper Mortgage login gives you access to manage your Mr. Cooper Home Loans account and access all the features available on the portal which includes making your online payment, chat for instant 24/7 support services for your mortgage and account needs, refinance your mortgage, mortgage assistance, and every other resources you need to start your homebuying journey.

Facts about Mr. Cooper Mortgage

Mr. Cooper is one of the largest home loan servicers in America with over 4.3 million customers nationwide with its headquarters based in Dallas, Texas. The mortgage company is part of the Mr. Cooper Group (Nasdaq: COOP), serving 3.8 million homeowners across the country.

The Dallas, Texas-based Mr. Cooper, formerly known as Nationstar Mortgage Holdings Inc., was established in 1994. The companies that make up Nationstar Holdings are Nationstar Mortgage, which offers originations and servicing to homeowners across the country, and Xome, which offers technology- and data-enhanced solutions to the real estate market and businesses that originate and/or service mortgage loans. As one of the biggest mortgage servicers in the United States, Nationstar employed around 7,000 workers as of June 30, 2017, haven had a servicing portfolio worth about $500 billion, and served more than 3 million clients. Over 146,000 mortgages for over $36 billion were started by Mr. Cooper in 2020.  Nationstar changed its name to Mr. Cooper in August 2017 in order to “personalize the mortgage experience.”

Today, the mortgage company is the 3^rd largest servicer in the U.S and largest non-bank servicer ranked top 30 originator in the U.S. with 4.3 million customers nationwide according to Inside Mortgage Finance as of March 31, 2023. As a homeowner with Mr. Cooper, you stand to enjoy some perks which include the Mr. Cooper Agent Assurance, get pre-approval letter easily, digital loan tracker, and a close on time guarantee to avoid missing your closing date.

The mortgage company was also awarded Top 15 correspondent lender in the U.S with over 114,000 plus homes sold through its Xome Auction.

Mr. Cooper Group Inc. (NASDAQ: COOP) provides customer-centric servicing, origination and transaction-based services related principally to single-family residences throughout the United States with operations under its primary brands: Mr. Cooper and Xome.

Home Loan Types offered by Mr. Cooper Mortgage

There are a variety of mortgage loans you can get from Mr. Cooper, they include the following.

• Fixed-Rate: A fixed-rate home loan is a loan with an interest rate that never changes. A popular term (length) for fixed-rate loan is 30 years, but many lenders offer term options.
• Adjustable-Rate: With an adjustable-rate mortgage (ARM), your rate may change based on national indexes (within certain limits).
• Conventional Loan: A conventional loan refers to a loan that meets the requirements of a Government Sponsored Entity (GSE) Fannie Mae or Freddie Mac. They typically require a minimum of 5% down and have both fixed or adjustable rate options.
• FHA Loan: if you are looking for a loan with flexible credit requirements and a more manageable down payment, an FHA Loan-backed by the Federal Housing Administration-may be just the ticket.
• FHA Streamline Loan: FHA Streamline Refinance Loans are a unique refinancing option for borrowers who already have FHA loan.
• VA Loan: if you are a veteran, active-duty service member, or surviving spouse of a veteran, you may be eligible for a well-deserved benefit: A VA Loan.
• Jumbo Loan: Jumbo Loans are non-conforming mortgages that exceed traditional loan limits required by Fannie Mae or Freddie Mac.
• VA IRRRL (Interest Rate Reduction Refinance Loan): If you have a VA Loan, an IRRRL is a great way to lower your monthly payment. However, you can only use it to refinance to a VA Loan from a VA Loan.

Mr. Cooper Mortgage Login Benefits

Mr Cooper Mortgage login offers you so many benefits especially to people interested in buying a home. Some of the benefits include the following:

• Access to make payments & payoffs online using various payments method.
• Assistance on Escrow, taxes, and insurance
• Get updated statements & 1098/1099
• New customers receive their first monthly statement and guide on account set up.
• Check your balance.
• You get mortgage assistance.
• View your loan information.
• New customers get account help such as verification of mortgage, notification of deceased borrower, mortgage recast, etc.
• Refinance your loan.
• Check the status of your loan.

How to Apply for Mr. Cooper Mortgage

Are you ready to apply for your mortgage at Mr. Cooper and stand the chance to be a homeowner, kindly follow the steps below to complete your application:

• Start by going to https://www.mrcooper.com/ in the web browser of your device.
• Next, click on the “Apply” button at the top-right corner of the homepage.
• On the next page, tell Mr. Cooper what you are getting in touch about, either you want to “Buy a Home” or “Refinance”.
•  Next, choose either “Yes” or “No” to confirm if you are currently a Mr. Cooper customer.
• The next step is for you to enter your first name, last name, email, phone, and choose your property location.
• Then, click on the “Get Started” button.
• On the next page, follow the prompts and your application will be reviewed by Mr. Cooper.

Keep in mind that you can also call Mr. Cooper support team to apply on 1-833-935-2053.

How to Create your Mr. Cooper Mortgage Account Online

If you want to login to your account to enjoy all the benefits associated with Mr. Cooper, then you have to set up your Mr. Cooper online account first by following the steps below:

• Start by going to the Mr. Cooper mortgage login page and click on the “Create one here” button.
• Next, enter your “last name” and “SSN/TIN/EIN” in the specified fields.
• Then, click on “Find My Loan”.
• On the next page, follow the prompts to set up your “username” and “password”.

You can also call the team at 1-833-685-2566 if you need some help on how to create your account.

Mr. Cooper Mortgage Login Guide

Now that you have successfully created your account, it becomes easy for you to login by following the steps below.

• Go to the Mr. Cooper login page in the web browser of your device.
• Next, enter your “Username” and “Password”.
• Then, click on “Sign In”.

How to Recover your Mr. Cooper Mortgage Login Password or Username  

If you forgot your Mr Cooper Mortgage Login Password or username, do not panic. All you need to do is follow the instructions below:

• On the Mr. Cooper login page, click on either “Forgot your username” or “Forgot your password”.
• To retrieve your password, click on “Forgot your password” and it will take you to another page.
• On the next page, enter your “username” and “last 4 digits of SSN/ITIN/EIN” in the specified fields.
• Click on “Next”.
• On the next page, follow the prompt and a recovery link will be sent to the email address associated with your account and enter the new password.
•  To retrieve your username, click on “Forgot your username” and it will take you to another page.
• Enter your “Last name” and “SIN/ITIN/EIN” in the specified fields.
• Check the “I’m not a robot” box to confirm you are a human.
• Click on “Submit”.
• On the next page, follow the prompt and enter your new username you can now use to login to your account.

How to Login with Mr Cooper Mortgage Mobile App

Another method you can use to login to your Mr. Cooper account conveniently is the Mr. Cooper Mortgage mobile app. This is available on either Google play store and iOS App store.   Once you have successfully installed the app on your device, kindly login with your login credentials to manage your account.

How to Make Mr. Cooper Mortgage Payment

There are various methods you can use to make your Mr. Cooper Mortgage payment. However, the mortgage company accept payments from checking accounts, savings accounts, money market accounts, personal checks, money orders and cashier’s checks. Please note that Mr. Cooper do not accept debit or credit card payment at this time.  Below are some of the payment methods on Mr. Cooper.

1. One-time Online Payment:  to make your payment online, login to your account with your login details and click on the “Payment” link to take you to your dashboard.

2. Monthly Autopay: for your automatic payment, login to your account and select your payment amount, bank amount, and payment date and Mr. Cooper will deduct your payment every month.

3. Biweekly Autopay: Biweekly Autopay will automatically draft a half-payment from your account every 2 weeks (14 days).

For this type of Autopay,

• There will be 26 withdrawals a year.
• There will be 2 months during the year when a 3rd half-payment will be drafted and posted to your account, as a principal payment.
• The 2 extra half-payments will help reduce the overall interest you pay on your loan and accelerate your payoff.

To become eligible,

• Account must not be enrolled in monthly AutoPay. (You can manage your AutoPay settings here.)
• Account must be paid 1 month in advance. (The 2 withdrawals made each month will be applied as your next month’s payment.)
• To enroll, please review, complete, and return this Biweekly AutoPay Authorization Form.

4. Paying by Phone: Making your payment over the phone has never been faster or more secure! Our advanced automated phone system can understand short questions and phrases. Once your identity has been verified, you can say something like “make a payment” to get started. Just call 833-685-2565.

5. Mailing a Payment: Here’s how to mail your payment:

• Write a check or get a money order payable to “Mr. Cooper.”
• Include the detachable coupon from the bottom of your latest monthly statement and your check or money order in an envelope addressed to:
• Mr. Cooper
• PO Box 650783
• Dallas, TX 75265 – 0783

For Overnight Mail

Mr. Cooper
800 State Highway 121 Bypass
Lewisville, TX 75067

For Overnight Payments

Mr. Cooper
3000 Kellway Drive, Suite 120
Carrollton, TX 75006

Once the company receives your payment, it may take a few days to reflect on your account. However, your official payment date will be the date we receive it.

6. Paying with Western Union® or MoneyGram®

• Western Union® Quick Collect®: to pay through Western Union®, kindly follow the steps below.
• Check their website or call 800-325-6000 to find your nearest location.
• Fill out a Quick Collect form and be sure to include your name and loan number.
• You’ll also need this information:

Pay To: Mr. Cooper
Code: MRCOOPER
State: TX

Please note that all Quick Collect transactions require cash and Western Union charges a fee for this service.

• MoneyGram® Express Payment®: to pay through MoneyGram® Express, kindly follow these steps:
• Find your nearest MoneyGram agent on their website or by calling 800-926-9400.
• At their office, fill out an ExpressPayment form. Be sure to include your name and loan number.
• When you’re asked for a MoneyGram Receive Code, it’s 1678

Please note that a MoneyGram ExpressPayment requires cash and MoneyGram charges a fee for this service.

How to Reach Out to Mr. Cooper Mortgage Customer Service

If you want to speak with a mortgage advisor for any further assistance or payment, you can contact the customer service department by calling this phone number at 1-833-685-2565. This also provides a translation service for any customer who indicates a language preference other than English.