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Mr. Cooper
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4.2 1568 Reviews

Mr. Cooper Complaints Summary

243 Resolved
313 Unresolved
Our verdict: Dealing with Mr. Cooper, which has an average resolution rate, requires some diligence. Research their service in depth and read a variety of customer reviews for a balanced view. Approach any customer service interactions with detailed and well-prepared queries to facilitate a better resolution process.
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C
7:01 pm EDT

Mr. Cooper fraudulent credit reporting

In October, I received a notice that Nationstar reported to Equifax that my July 1st mortgage payment was 30 days delinquent, which caused my credit rating to drop substantially. When I received my 7/15/17 statement I noticed that it showed I did not pay the July 1st mortgage. I immediately contacted "Mr. Cooper" and the customer service rep was not very knowledgeable. I was informed that although they did receive the mortgage payment on June 30th (the day before the payment was due) due, they applied all funds to principal, rather than the mortgage payment itself, which caused my account to show 30 days late. I contacted them again on October 12th when I seen my credit score drop and was told that they did not make a mistake. I asked for a manager but the agent put me on hold and then got back on the phone. I asked that they immediately notify Equifax to remove the incorrect information they provided and to send me a letter confirming same. She agreed but Nothing was done and my credit has been adversely affected. In the past 50 years I have never had one late payment. They clearly do not know there business nor do they care about customers.

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neweden
, US
Sep 13, 2018 8:39 pm EDT
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Mr cooper offered to delay my mortgage after the hurricane. My mortgage was up to date. So I decided to take them up on the offer and fix some damages I had that was not covered by insurance. Mr Cooper confirmed with me monthly that they would give me a modification for the balance in arears. They have since reneged on the offer. They asked me to pay the whole balance back all at once, even though they assured me that they would never do that to me. I have been asking for a modifcation for years, just to freeze the interest to a fixed rate. NOt only did they ask me to pay the balance back, but they also increased my rate by 1%. They are insensitive and do not care ab out their customers. It is a shame that we can never fight back and have to go along with every decision they make for us.
Shame on you Mr cooper you are not for the little guy.

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3:29 pm EDT
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Mr. Cooper modification of mortgage loan

this is one of my letter to Nationstar - now known as Mr. Cooper:
I received calls but no written explanation.

I am writing this letter with great concern, stress and frustration! I started the modification process December 2016 and to this day it’s been a nightmare dealing with the incompetency of this company. I am so upset I can barely write this letter. I previously wrote a letter July 5, 2017 with no written reply from your company however I did receive a call from my assigned loan specialist Tawandra Jenkins to advise me the reason for the delay and apologized for the inconvenience it has caused me.in a follow up conversation with Tawandra Jenkins, loan specialist she advised me that due to all the trouble and misinformation I had received from SEVERAL customer service representatives, my interest rate was reduce and there for my new payment would be $1696.50 which would be due September 1, 2017. I specially ask would this be the final adjustment and my permanent payment and was told yes I called the call center and advised the representative that I was trying to schedule my payment for September and the system would not allow me to make the payment. The representative told me that I had to wait for my document to arrive. I was quite confused since I did receive the document stating my payments of $1696.50 and they were signed and faxed. The representative further stated that he did not see any payments due and to “hold off” on making any payments. On 8/27/2017 I went online and still there were no updates. I planned to call on 8/29/2017 when I arrived home from work and I had a fedex delivery from nationstar/mr. cooper. Needless to say I was taken back by the language in the modification. The payments are different than I was told and signed for and the amount of my mortgage increase to $1723.94 in addition to “new money” in the amount of $15, 056.26! When I started this loan modification my loan balance was $204, 036.29 and now it’s $219, 092.53! The purpose for the loan modification was to reduce my mortgage and now according to your company I owe $15, 056.26 MORE! Due to the mishandling of my modification loan I have be jeopardized both financially and emotionally. My credit score went from 700 to low 500 my credit has been denied and some credit cards reduced my limits. All because of the unprofessional mismanagement of my loan. I can’t tell you how many times I called with concerns in regards to my payment and modifications and the negative impact it has had on me both personally and financially. Only to be told by the representatives that I didn’t have to make any payments until I received my “packet”. Or they didn’t see that any payments were due at all! And now to find out they your company had determined that I now owe and additional $15, 056.26!
I am demanding a full review of my account and also a rate reduction.in addition to reporting to the credit bureau corrections about delinquencies! And can someone define “new money” – it’s certainly new to me and beneficial to your company. This is supposed to help people and all it did was ruin my credit and emotionally drained me.

I have enclosed again my letter dated July 5, 2017 to refer to.
I would like this to resolve asap. Because of many delays seems like I’m paying for the incompetency and mishandling of my loan. If you look at my previous payment history I was consistent with my payment now my rating is disastrous.!
How did this process help me at all?

I anxiously await your written response!

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David Marcinczyk
, US
Jun 18, 2018 10:17 pm EDT

Nationstar called me in April of 2017 a Mr Proby telling, e to make all my mortgage payments to him, they put them in supence.
Never telling me the truth at all about what was going on. He sounded like me best friend little did I know. With a balance of 33
and 2 years left. After 18 years, how can the Federal Governments let this s happen

President Donald Trump this is your opportunity to make America Great again

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Tina Gannon Levtzow
, US
Apr 17, 2018 3:17 pm EDT

They did me the same way. I filled all my papers out for a loan mod and sent them all the papers they asked for. then they would say that they didn't receive them. I sent them everything they needed at least 15 times and had proof they received them every time. they are liars. I hired a lawyer and Mr. COOPER/ NATIONSTAR even lied to the attorney and said they weren't receiving documents. This is a bad company. and when I make payments they are holding them and not posting them. they say I owe more money.

ComplaintsBoard
J
2:47 pm EDT

Mr. Cooper refinance

This institution prides itself on customer service what a load of CRAP, we are currently underwater when all these institutions got fat and happy in 2005 and got bailed out I'm struggling every month, no Fanny Mae or Freddie Mac which helped a lot of people I have neither, $2400 a month and $1900 is finance charges and I'm at 6.99% and you call these people and they say nothing we can do, last time I said I'm sure you would do something if I couldn't pay, what a real disgrace !

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11:55 pm EDT
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Mr. Cooper no product no service just massive amounts of fraud and greed

nationstar stold my home we help homeowners suceed they would never send me statement they do not hold the note about 7 counts of fraud i asked to have my payments reduced they went from 1004, 41 to 1458.00 during this time i was taking care of my dad with pancreatic cancer taking care of my mom taking her to and from dialysis 3 days a week for three years and while doing this i had 3 shoulder surgeries 2 replacement on shoulder left and right hip replaced rt knee surgery and then a rare open heart surgery where my aourta had to be repositioned and forced me to retire nationstar is responsible for someone from anderson construction his name was eric anderson coming on my property that was clearly marked keep out i told him to get the hell out he kept saying oh you want to fight and he kept taunting me to throw a punch i just said get the hell out of here then he pulled a limb off of a tree kept jabbing me in the chest where my staples are from open heart surgery later that day i collapsed and rushed to er and have had five drs appts this incident was recorded in the hospital report so look at my story do you really think nationstar wants homeowners succeed no thats why they have to change their name to mr cooper and to think you and me give them billions of taxpayer money in a bailout they were supposed to help homeowners they didnt the only person that became unjustly enriched was their chief thief and ceo jay bray

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4:47 pm EDT

Mr. Cooper treatment and policy

On July 7th I made my first attempt calling Nationstar's Flood Loss Claims Department. This was my first interaction with Nationstar, as my mortgage had been sold from PNC. I had an ICC check (Increased Cost of Compliance ) to be endorsed. This check was written from the Wright Federal Flood Insurance Company. The check was written to Nation star as well as myself. I had elevated my home to reach the new elevation standards developed by FEMA This elevation needed to be done because I was substantially damaged during Super Storm Sandy. A simple endorsement became a complete run around. I was part of the RREM program and received a grant to raise my home. In accordance with this plan, site inspections are completed, and a considerable amount of documentation from the state is completed and required. . All of this made no difference to Nationstar. Their "policies would not allow" that a simple endorsement be made. I needed instead to attain and send countless numbers of documents to their Loss Claim Dept. Items which I could supply through the state government run program were denied. No one at Nationstar had any familiarity with the program and I was consistently switched from person to person. I was disconnected(or hung up on) four separate times. When I asked one individual who referred to himself as JM to speak with a supervisor, he indicated none were available. When I asked for the name of the supervisor he was talking to get input from, he refused to give me a name. He had at least put me on hold 5 times during the phone conversation. I continued to call on Monday July 10th. This required 4 separate calls as I was disconnected again. This check was not for construction being completed as I have a CO as well as a final inspection through the state of NJ. But Nationstar, refused to accept this inspection, and I now need a specific one from them. This policy or process with Nationstar will now require up to a month to complete and then I will need to request an endorsement on the check. Who knows how long that will take once I finally can ask for the endorsement. Throughout the entire process to rebuild my home after being devastated by Super Storm Sandy and handling checks that needed endorsement, I have never run into more of a nightmare. This company has done nothing but cause complete aggravation for the past several days and I will still be continuing for up to a month as I complete their requirements. The staff in the Loss Claims were uninformed about this process with several even indicating they had not heard anything about this program or what I was talking about. Completely unacceptable.

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8:56 pm EDT

Mr. Cooper mortgage

Mailed a letter requesting my PMI be dropped as I have clearly met all requirements as I see it to allow that to proceed
It's been over month and have yet to receive any response in reference to this matter
Although I have received numerous unsolicited offers to refinance my loan which I have absolutely no interest in doing as I see it as only an attempt by them to profit at my expense

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6:11 pm EDT
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Mr. Cooper nationstar mortgage - loan modification scam & forced foreclosure scam

NationStar is a shady and scamming people into foreclosure.

Purchased the house in 2010. My mortgage was sold to Nation in 2012. In 2012 I had a few life events that caused me to be short on funds, however I still paid my mortgage on time but was struggling so NS informed me I could apply for a loan modification that would lower my monthly payments and in the meantime I could stop paying my monthly mortgage as those payments would be tacked on at the end of my mortgage and rolled into the loan modification. Sounds great, right? So I submit my loan modification paperwork and inform NS, NS tells me the loan modification will cover the monthly payments that occur during the application process time so I did not have to make further payments from that time on. My loan modification was rejected due to “incomplete documentation” and told I need to resubmit in 45 days with no explanation of what was missing. I also joined the mediation in our local court house, so all this was done in the court house, supervised by a mediator. I redid my loan modification application, had the mediator check my paperwork and she submitted to NS, she also told me to file a motion of continuance in order to allow response time from NS per the loan modification. 2 weeks later I receive a letter stating again that my application was rejected due to “incomplete documentation” and when asking again what was missing, NS could not tell me, as they said no details were included. Filed new application again in 45 days, motion for continuance and in 2 weeks received another rejection letter stating due to “incomplete documentation”. This is the cycle I was stuck in for over 3 years. Finally, NS filed a motion for strict foreclosure which means in the state of CT they can come in 2 weeks and auction off your house right in front of you. I appear for the court date, NS lawyer and mediator told me the judge will be upset if I deny their motion meaning the judge will have to come down to court and hear my reasoning. I denied NS motion for foreclosure and when the judge asked me why should I be allowed to keep my house after not making any payments for over 3 years, I told him I have called repetitively and tried to make payment, which NS wont accept and I have spent 3 years submitting for a loan modification which comes back rejects due to “incomplete documentation” with no explanation of what is actually missing and the money I saved not having to pay the mortgage all these years has gone to renovating the house I live in and the that the mortgage is on. The Judge was disgusted with the way NS handled the loan modification and demanded we all sit down and review the application page by page until they find the missing documentation. We all sat down with the judge and turns out I was missing a single date on a single page in an odd spot. NS claims that was the reasoning for rejection this whole 3 years.
I get the loan modification which turn out to be a $20 reduction in my monthly payment, what a waste. I get out of foreclosure and pay my mortgage on time.
NS informs me that my escrow is short due to NS applying their Hazard Insurance without my consent. NS informs me that my monthly payment is now going to go up, which means the loan modification is a wash and Im actually paying more that I was before the loan modification.
I pay the increased monthly payments on time for over a year. Then in September 2016 NS website says they are having technical issues and I need to call to make my payment and cannot pay via the website. I call NS to make my October 2016 payment and NS tells me that I do not own a payment until February 2017. I asked why and NS couldn’t tell me anything except it had to do with my loan modification, and her explanation was the loan modification was there to help me and it seems it caused my account to be satisfied until February 2017. Call back in October 2016 to check on the account and make a payment but again the NS representative told me no payment is due until February 2017 and I did not have to make a payment until then.
March 2017 rolls around and in early April 2017 I call to make my monthly payment and NS informs me I am over 5 months behind on my mortgage due to not paying October 2016 – February 2017 monthly payments. Turns out their explanation was the loan modification adjusted my account and made it look like no payments were due when in fact they were. Heres the kicker – NS tells me they sent a demand letter and I must pay the 6 months payments in full in order to bring the account current and stop the foreclosure process from occurring. I attempted to make a lump sum payment equivalent to 4 months payments but NS denied me stating they can only accept the full lump sum amount of 6 months. So I call back in May and have the 6 months payments ready however NS informs me that since the new month rolled over, I now owe even more and the 6 months payments weren’t enough and they couldn’t accept any amount smaller than 7 months. So I call at the end of May and attempt to make the 7 month payment but NS informs me that due to the late fees, penalties, and legal fees, I actually owe more money and need to pay it in full – fees plus the 6 months mortgage payments in order to bring my account current and stop the foreclosure process. Ok, I have to wait for more funds to come in and inform them I will be calling the first week of June to make the payment in the exact amount NS stated, they said ok that will bring my account current. I call the first week of June and they tell me since another month rolled over I actually owe more money and they can not accept my 7 months payments plus legal, penalties and late fees. In the meantime, I had sent cashiers checks in totaling their exact amount, but bc I sent the checks a week apart, NS rejected them and sent them back stating it was not enough funds, even though between the 2 checks it was that amount. NS said they will only accept 1 single check.
I called and finally demanded to speak with a manager who told me he said it was NS fault and entered Code 55 to allow me to make payments of $1 or more at anytime but it will take a business day to process so I have to call back Tuesday. I call back Tuesday and NS tells me Code 55 was never applied and by the way the amount due has increased again. But NS states they will now apply code 55 and I need to call back the next business day… So looks like Im stuck in another NationStar circle of Hell…. Find out tomorrow if they will accept my lump sum payment.
If you google NationStar Reviews, I found that I am not the only person that is having these issues that were caused by NS being shady and basically “tricking” homeowners into missing payments and forcing them into foreclosure.

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harleycaldwell
, US
Jul 12, 2017 1:18 pm EDT

mine started 2014 done a modication loan with nationstar i owned 131/2 years they added 40 years to my loan added property inspections, mainenance fees legal fees adding my bills up so i cant pay it every year i borrow money to pay this bill 7000 to 9000 evertime a whole is 5000 i need some information please email sandy431969@gmail.com how fill papers against these people stop this stuff

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R
4:04 pm EDT

Mr. Cooper past hoa dues were collected at time of sale but not paid

I purchased a foreclosure on April 7, 2017 for $25, 000 over starting bid which included past HOA dues that were provided by the HOA. The previous owner was A.H.Boyd.

Two months later the HOA dues have not been paid and now the HOA is coming to me wanting 6 months of HOA dues that are owed before the sale. Again...this was collected at the time of sale.

The address is 645 Plantation Road, Unit 6505 Gulf Shores, AL 36542. Plantation Palms HOA is threating a lien and foreclosure for the past due amount of $2370.

Please contact me at [protected].

Sincerely,
Robin Moneypenny

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7:46 am EDT
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Mr. Cooper home purchase

A home was purchased at 1550 Dilg League Drive in 1986 by Melony Walker and Emit Dizadare, Jr. We were divorced in 1995, Emit remained in the home and paid all the mortgage. Unknowingly, my name remained on the house and Emit kept the mortgage in delinquency which brought my credit down. Now that the mortgage is paid in full, I am asking for a removal from Nation Star to the Credit Bureau to bring my credit out of default. My contact number is [protected] or [protected] if you need more information. Thanks!

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11:19 am EDT
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Mr. Cooper mortgage modification fail

I have many frustrations with your company since they took over our mortgage, mostly because I seem to have gotten passed around from person to person and have not gotten consistent information or service because of that. We were on a trial and were working with Tewania and half way through our trial we were apparently switched to Joann. I had authorized for auto withdrawal after the second payment but it apparently did not get done. I did not realize this until the end of the trial period and called to try to make my final payment and could not get through to ANYONE. I kept getting sent back to Joann, I left several messages, I tried to go online, again with no success. When she did finally call me back, after 3 days, I made my payment and was told it should be fine. Several days after that she called and told me that it was not accepted and that we would need to do a different modification or come up with $12, 000. I feel that because your system failed that I should be able to modify as first explained. I am urgently awaiting your response.

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Loretta1
, US
Jul 07, 2017 5:59 pm EDT

Valid

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Tjmonkey
, US
Jun 26, 2017 2:13 pm EDT
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Plain and simple the government needs to shut this so called lender down. They have hurt and ruined so many people I don't know how the top executives can sleep at night. They are nothing but a company of crooks and America needs to be aware of this and then maybe they will get hurt and change, or go out of business. They need to be punished and penalized for what is going on at NATIONSTAR Mortgage. They should all be held accountable down to the employees who lie on the phone. I hope I am live to see their demise.

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Loretta1
, US
Jul 07, 2017 5:57 pm EDT
Replying to comment of Tjmonkey

You are not alone on this company I totally agree, they should be investigated . We also have been pushed around, threaten with foreclosure, refused any money we tried to pay them, but the would "increased the payment", or they would only take the minimum etc. I don't know how these people sleep at night either, from the higher ups to the customer service reps who in fact are only looking to get that bonus/incentive, it is really crazy, and should be against the law what they do to not only us, but other consumers as well. It is almost like they want you to lose/foreclose on your property, they offer their so called "assistance", but always lose paperwork, etc. They have the nerve to rename this agency "Mr. Cooper" . If he is anything like Nationstar, I don't want him or them.

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3:38 pm EDT

Mr. Cooper modification approval scam

Your process is worse than Bank of America. I never thought I would see it. This horrible process has stressed me out. Last year I was approved for a "temporary" modification. Never heard of it, but I received the paperwork to pay my new approved payment, then after a few months I was told my new payment would go from $2675. to $3600. a month. When I inquired was told can only start process over, but continue paying higher amount.

I then started whole process again paid $10, 500 in trial payments. Received a call around end of February stating that I had been approved and to look out for the loan package in the mail. I received the loan paperwork in March, signed, sent it back and confirmed receipt. Called back to follow up, because when I logged into my nationstar account to make my first modification payment, my account still showed it was in Mod status. The Agent I spoke to said give it time, because documents were received, but not uploaded yet.

Called back the following week to find out that I had just been denied based on a technicality. How did I get approved in March and denied in April. Also, why is it that my home loan start out to be only $276, 000 and each time you guys make my start this whole process over I am incurring additional charges my loan went to $313, 000 then to $401, 000 and now it's $414, 000. I have once again resubmitted a new modification, but quite frankly I want you to use the existing approval. And for this horrible experience I want at the very least the original loan amount I started with before you added all of these fees to scam me into restarting the process multiple times.

Honestly, I was attempting to send this information to the BBB and to consumer Affairs, but want to escalate to nationstar first to follow the proper channels.

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8:37 am EDT
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Mr. Cooper mortgage loan servicing

For anyone fighting a wrongful foreclosure you really need to read this book (Chain of title by david dayen) ! We are not connected to the author in any way, but this book explains exactly what the problem is, and why most homeowners (Especially in florida) have no chance of winning their cases. We have been fighting a wrongful foreclosure since march of 2010 (Beginning with our original loan from countrywide mortgage), making our payments to the servicers (Bac home loans servicing, bank of america n. A., and currently, nationstar mortgage), via certified check every month - only to have them returned to us for the past seven years! All of our returned payments are in a bank account (And have not been touched during the seven year period). We are scheduled to go to court at the end of april but have been told by our attorney that we will need to be prepared to pay the entire note in-full or to walk away from our investment home. Why? Because the majority of judges don't want to hear the details from your defense attorney and they automatically rule for the bank/servicer (Because it is easier). We have spent close to $35, 000.00 in legal fees paid to attorneys to fight this, but after reading this book we now understand that in most cases, attorneys don't even get the chance to defend their clients because the issue is way too complicated and the judges just don't want to spend the time to drill down to find out where the errors occurred on a borrowers account (Especially if the loan has been sold and/or servicers have changed during the foreclosure process). I am over simplifying the issues, but that is really the bottom line here. Read this book before you spend a bunch of money on hiring an attorney to defend your foreclosure case (Especially in florida). This problem with the servicers has been brought to the federal level and even the feds decided to sweep it under the rug by settling with the banks, instead of prosecuting them for mortgage fraud. Leaving all of the homeowners/borrowers paying the ultimate price for the bank/servicers wrong-doing.
Many of these issues posted here (Lender placed insurance, excessive late fees, inspection fees, lost paperwork for modifications, etc. ) are not new issues! And when you do your research online, you will see that many of the defenses that people/homeowners and foreclosure defense attorneys have used are being rejected by the judges/courts. Educate yourselves! I know this sounds crazy, but it's true! Read this book and research the issue online. You will clearly see that very few of you have any real chance of saving your homes - because the entire system is setup to support the lenders & servicers - not the homeowners/borrowers! And if you think filing a complaint with any of the government consumer protection agencies will make a difference... Think again... It's all been done already and garners little results for the common folk on main street! Educate yourself - you will not believe what you read - but it is all true. We know because we have been living it for the past several years!

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Edward J Hess
, US
Apr 04, 2017 2:50 pm EDT
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I read your article and saw a very important item not mentioned. Is your mortgage a remic for if it is you will find out remic stands for real estate
mortgage investment conduit. If you fall into this category your original loan no longer exist. You should call and ask who owns my loan. If it is a remic
that means your original loan was destroyed because wall street can't get tax free money on a original loan. And in court the lender has to produce the original loan not a copy . Check into to it further.

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findthereality
, US
Apr 20, 2017 5:36 pm EDT
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Hi Edward,
Thanks for the info! Our loan is one of the original Countrywide loans that is in a "Trust" with US Bank being the "Trustee" for Credit Suisse First Boston, the "Investor" and Nationstar as the current servicer (previous services were BAC Home Loans, Bank of America N.A.). This mortgage is/was part of an investment pool (investment backed pass through [protected]). It was also held in MERS (Mortgage Electronic Registration System), so it is most likely a REMIC.

Unfortunately, many of the Florida courts/judges have not required the servicers/lenders/trusts/investors/etc. to produce the original Mortgage or Note (even though they are supposed to). The majority of Judges consider a copy produced by the Servicer acceptable! They also don't care if the mortgage was assigned by a known "robo-signer", which ours was.

Unfortunately, the Florida Courts were so overwhelmed with foreclosures that many of the laws have been manipulated through rulings by Judges that determined "people/homeowners" were the problem, and the poor banks were just being harassed by unreasonable defense attorneys that insisted on the bank providing documentation (original documents), and details about the borrowers account (which the servicers/banks did not have). All of our requests for Discovery have resulted in the Servicer's response that our requests are "overly burdensome", "unreasonable", and "not probable that the information will change the outcome". It's truly unbelievable! It really does read like the book I mentioned. I guess the only saving grace is that after we read the book, we had a better understanding of exactly how this type of thing could happen... and, that we're not crazy & we're not alone! We're hoping for the best - and planning for the worse possible scenario when we go to court next Wednesday. Thankfully we can payoff the balance due and then sell the house to get our equity out of it, if need be... but most folks don't have that ability. Makes me so angry & sad that the banks/servicers are getting away with unjustly stealing people's homes on a daily basis because Judges don't like to listen to the icky details!

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1:22 pm EST

Mr. Cooper incorrect forced insurance with no corrections for 3 years

Robert n loriann chor
To whom it may concern,
After 4 years of trying to rectify nationstars error... Nationstar leaves me no choice but to file in small claims court. A forced insurance was put on me and we had insurance the entire time! Nationstar never acknowledged my insurance and put my home in foreclosure! After 3 years of trying to fix nationstar's error the legal fees are still not off my account. Although I did get the paperwork that stated that nationstar paid the legal fees it was not removed from my payoff statement and still shows it in there. After continuous attempts to get a nationstar representative to follow through and fix this situation… from customer service to resolution department... No one has followed through! Speaking with over 28 people and the reference numbers of each... Not to mention hours and hours of being on the phone with nationstar... There is still an error. ? My new escrow company had to pay in order this off for me to close this account and get a new account with another company. I refuse to let nationstar take this money that is definitely not owed to them not to mention deserve with the amount of stress and hardship this has put my family through!
I will never do business with nationstar again and I will definitely get the word out regarding how unfair and unprofessional your company is. Im a very unsatisfied, aggravated, and disgusted customer! Unfortunately, I will see you in court robert n loriann chor
Account #[protected]

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Update by Lori Chor
Mar 01, 2017 1:24 pm EST

Robert n Loriann Chor
To Whom it may concern,
After 4 years of trying to rectify Nationstars error ...Nationstar leaves me no choice but to file in small claims court. A forced insurance was put on me and we had insurance the ENTIRE time! Nationstar Never acknowledged My insurance and put my home in foreclosure! After 3 years of trying to fix NATIONSTAR'S ERROR the legal fees are STILL NOT off my account. Although I did get the paperwork that stated that NATIONSTAR PAID the legal fees it was NOT removed from my payoff statement and still shows it in there. After continuous attempts to get a Nationstar representative to follow through and fix this situation… from customer service to resolution department...NO ONE has followed through! Speaking with over 28 people and the reference numbers of each...not to mention hours and hours of being on the phone with Nationstar...there is STILL an error. ? My NEW escrow company HAD to pay in order this off for me to close this account and get a new account with another company. I refuse to let Nationstar take this money that is definitely not owed to them not to mention deserve with the amount of stress and hardship this has put my family through!
I will never do business with Nationstar again and I will definitely get the word out regarding how unfair and unprofessional your company is. Im A very unsatisfied, aggravated, and disgusted customer! Unfortunately, I will see you in court Robert n Loriann Chor
Account #[protected]

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11:13 am EST

Mr. Cooper not accepting payoff

Tried paying my entire loan off 3 times. They reversed the transfer payment 3 times and charged me late fees even though I had proof that it was they that reversed the transfer. In addition they cost me an extra $30.00 in wiring fees which they did not refund. You will wait on hold for upwards of 30-45 minutes only to be hung up on BEFORE you talk to a representative. When you do manage to get a representative they will transfer you around for another 30-45 minutes. They have managed to squeeze an extra 3 months of interest and fees out of me all the while threatening to ruin my 850 credit score if i don't pay, which I have 3 freaking times! DO NOT DO BUSINESS WITH NATIONSTAR! #nationstar #nationstarmortgage #nationstarmortgagereview­s

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J Rose
, US
Jun 20, 2017 6:44 pm EDT
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I feel your pain. I was told I didnt owe 5 months of payments as NationStar stated it was my loan modification "helping" to satisfy my loan during that time and then 2 months later NS does 20 reversals, cant explain why or where the money is being applied or taken from. Then tells me Im 6 months behind on my mortgage due to them telling me I didnt owe a payment for 5 months. Then sends a demand letter saying they are starting the foreclosure process. Ive been trying to make lump sum payments for what i owe for over 3 months now. I always call and get the amount, wait til pay day and call and attempt to make the lump sum payment, but as soon as I tell NS i can pay their amount they put me on hold, come back and say after further reviewing you cant make a payment under X amount, which is always a couple grand more than their original ask amount. Ive sent cashiers checks in as payment totaling 6 months and they sent it back claiming the amount was short. It wasnt short. Its their way of scamming you into more money, more fees, forced foreclosure, or forced loan modification. Good luck my friend. The Better Business Bureau and Consumer Financial Protection Bureau both have brought suites against NationStar, there are so many class actions against this company as well. Google class actions and Im sure all will apply to you, at least you can join the class actions.

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Close Nationstar
, US
Jun 13, 2017 4:37 pm EDT
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Been there ...Done that. Nationstar is NOT a company anyone should have to deal with. Nothing to get two or three robot calls from them a day. Each person you talk too gives you a different answer. They have modified my loan without my permission. Lower my payment but gave me a forty year
mortgage without me EVER signing anything. More then happy to sue them, close them down, do whatever it takes to save other people from going through what I have been.

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3:41 pm EST

Mr. Cooper mortgage refinance

I was contacted by my mortgage company, Nationstar Mortgage, wanting to know if I might want to refinance my home. We had been with Nationstar for several years. We decided to refinance and were given a "good faith" estimate of projected payments, including escrow. Loan Number [protected]. We closed on the refinanced loan last September with a payment of $2581.51 per month. Approximately 4 months later, I received an Annual Escrow Account Disclosure Statement, notifying me that effective March 1, the following month, my payment would increase by $1345, 76 to $3, 927.27, which represents more than a 50% increase.

I left messages with Nationstar consumer complaint line on four different days- no returned calls. I contacted the supervisor of the refinance person who originally assisted us (Jeff- [protected]). He briefly looked up the account, understood our alarm, and stated that the refinance agent had clearly grossly miscalculated our escrow needs. He advised he would call me back with more info, but has not done so.

My complaint is that I believe this was misleading and the error on behalf of the mortgage company has now priced my family out of our home (there simply is no way I can by a $4000 a month mortgage). I don't know if this was intentional or unintentional, but it has now compromised the security of my family. Everyone know that taxes go up, insurance premiums go up each year and we anticipate slight increases in our mortgage payments each year. A 50% increase is, however, shocking. This 50 plus % increase was not the result of increased insurance premiums or increased taxes, but rather either unintentional errors by the made in calculations by the mortgage company or intentional misleading of a long-time customer, in order to make a loan and receive commissions or worse force a foreclosure.

My contention is that had I been given a correct good faith estimate of monthly payment ($3927) instead of what I was incorrectly provided ($2581), I would never have refinanced my home, or might have opted for a 15 year mortgage instead of a 10 year mortgage as we did. Now we are forced to put out home on the market or risk having it taken from us. I don't want this refinance any more, we were mislead.

Thank you for your help. Ken Adcox [protected]

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10:20 am EST

Mr. Cooper purchasing a foreclosure

trying to buy a foreclosure home that is owned by nationstar. was told that because it was a reverse mortgage foreclosure that it could only be purchase with cash, no financing. wondering why this is the case and how my qualified VA buyer is not able to purchase it. please let me know as this borrower is ready to purchase as soon as possible. thank you

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Laurie A Smith
, US
Feb 23, 2017 10:38 am EST

It's ridiculous how this company works! I have a ready, willing and able buyer and the agent won't even answer the phone when I repeatedly called her! Now this morning she finally did and tells me she's had an offer since last week so now it's in multiple offer situation, REALLY! FED UP IN NORTH CAROLINA!

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Mr. Cooper Mortgage loan servicing

This issue is regarding an unlawful foreclosure sale by Nationstar Mortgage in Waco, Texas that is coming up on January 3rd, 2017. I have been trying to stop this sale as I have had an active dispute with Nationstar Mortgage for several months now that they have completely ignored and then suddenly they sent this to Buckley Madole to foreclose on my home. Since September 2016, I have been trying to verify the validity of this debt with Nationstar and I have 7 letters from them since September, acknowledging they have received my correspondence and will respond back, usually within ten days. I have not received ANY RESPONSE from them from each of those 7 letters and acknowledgements. Now they are trying to take my home without any verification that they have a legal right to do so.

This is a rental property in Waco, Texas that has a tenant in there until the end of 2017. There is no way I wanted this home to go to foreclosure. I
have tried endlessly to work with Nationstar for over a year now to fix their many errors and I am still willing to work with them. But they are ignoring every attempt since September and are now violating my rights per the Fair Debt Collection Practices Act and Texas Foreclosure Laws. This is unfair for them to try to take my home now while I have an active open dispute with them and still waiting for their response, which they have completely ignored.

In early 2015, Nationstar Mortgage took over my loan that I had originated with GMAC back in November 2005 on a different loan number than what Nationstar is indicating. After GMAC went out of service, Ocwen took over the loan on the same account number and there was no issue until Ocwen transferred the loan to Nationstar Mortgage in 2015. Nationstar created a different account under a new loan number that I never signed and from the start, the monthly payment amount was incorrect, they were trying to charge me more than my monthly payment was. I questioned this error for many months and they acknowledged the error through emails but failed to resolve it on any payment statements for several months. Then when they finally fixed that error, they forced a loan mod on me over Christmas 2015 which I completely abided by according to their process. But their loan mod process was so broken that even after they had all my signed documents, they failed to complete it and canceled the loan mod. But they blamed me for not following through with it, which was such a lie! This all ended around April 2016 when my first payment on the loan mod was due.

I then sent a RESPA QWR to start questioning the validity of this debt and Nationstar's right to be servicing this loan due to their multiple errors from the very start. After 2 certified letters from me, they responded in July, 2016 with a stack of paper copies showing my signature on the Deed of Trust and supporting loan documents that were tied to the account number from GMAC, which I completely acknowledge and signed. But there was nothing in this paperwork that tied me to this new account number from Nationstar in any way. I then sent another certified letter in September, questioning their right to be enforcing this note and asking them to prove their legitimacy to be collecting on this debt. I sent multiple letters since September, each of which they sent me back a letter acknowledging their receipt of my correspondence and that they will respond back by such and
such a date. I have 7 of these acknowledgement letters now since September but NO RESPONSE BACK from Nationstar. I have been waiting for their responses and all of a sudden, I received a letter from Buckley Madole saying that they intend to foreclose on my home! How can they ignore this active dispute that I am still awaiting responses to when they said repeatedly they will respond? This is completely unlawful now for
them to ignore my requests and take my home without any validation that they have a right to do so. And for all these months, they keep running payoff statements and charging me all these fees for all that and they should have responded to my dispute back in September which would have eliminated all these ridiculous fees!

I received the Notice of Intent to Foreclose from Buckley Madole on November 21, 2016. I then got my dispute package together and sent it to Buckley Madole via certified mail, showing my complete dispute with
Nationstar and all supporting documents and letters. Their intent letter says I have 30 days to dispute the validity of this debt, which is exactly what I am doing and my package was sent within 10 days of their initial letter. However, one short week later, on November 28, 2016, they issued the Notice of Acceleration and Notice of Trustee's Sale scheduled for January 3, 2017. Per Texas Foreclosure Laws, there is supposed to be a "Cure Period" to allow the borrower to resolve this debt and then they issue the Notice of Acceleration.

My rights are being violated here, Buckley Madole is doing nothing to help resolve this dispute and they are unlawfully trying to take my home. I have tried to work with Nationstar to fix their errors for over a year, I have 55 emails to prove it. Since April of this year I have been trying to work to resolve this dispute and I am still willing to work with Nationstar as I never wanted this home to go to foreclosure. I just needed them to prove that they have legal right to be servicing this loan and enforcing this debt. I have every right to dispute this and it is insane that they are ignoring everything and sending my home to foreclosure!

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1RugerGrl
, US
Dec 28, 2016 8:01 am EST
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We can stop the sale please contact me

[protected] I will get you in contact with the people who stopped my sale and now I am fighting back

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Mr. Cooper hamp is ending at the end of year

The federal government mortgage relief programs, like many administration funded programs, is set to close out on 12.31.16. The most notable relief program in that group is the home affordable modification program, otherwise known as hamp. The hamp program, which was launched in 2009, for the most part has been a colossal failure. Though it has been touted as the engine that has saved homes from foreclosure, the costs incurred to remedy each foreclosure case have been incredible. The cost of hamp to each independent taxpayer has been estimated at over $84, 000….. And we will be paying that back for many years to come. A program that was designed to save over 9 million homes in 4 years, has saved a little less than 2 million homes in 8 years. Keep in mind also that the number hamp modifications that end up back in default circles right around 50%. So why didn’t the program work? Two major issues…. First, the hamp program really has no “teeth” to it. The banks were advised to cooperate voluntarily and failed to do so. Since they were given their bailout all up front, there was no financial incentive to cooperate at all. This is the equivalent of me giving my 5 year old son his allowance up front and then expecting him to do his chores…everyone should get the picture here. Second, home owners were supposed to receive strong guidance from nonprofit agencies through the process. This never happened since the nonprofit agencies were overloaded and the workers were underpaid….. Most of the clerks / advisors working on cases had very little mortgage or finance experience as well. There was also no direct incentive for the nonprofit agencies to complete solid deals for the home owners, since they were paid by the federal government for simply "submitting" loan modification packages. Naca and other non profit agencies held rock concert like events to pile in hamp applications... Even worse, the banks funded the events as well, just to make sure they kept control... Sounds like a colluded three ring circus to me! All in all, this led to the completion of weak deals, no deal or foreclosure. So what now? We are certainly heading into much more aggressive territory in 2017. Both the banks and the non-bank servicers are foreclosing quicker due to the rising tide in home equity. We are no longer in a distressed market and they have nothing to lose. There are certain lines of defense that can be used, but they are much more complex to execute upon than in the past. Due to the recent shift in the political tide, we are headed back into a capitalist market…which means every man for himself... The federal government is going to stay a million miles away the foreclosure mayhem. Unless you understand the "game" 150% and have a gladiator mentality, you will need help working through the foreclosure prevention process. The cfpb has tried to step in and add a layer of protection, however it appears that there are no clear defined rules, which will lead to open arguments throughout the modification process ~ http://www.Housingwire. com/articles/37690-cfpb-best-practices-on-how-to-continue-loss-mitigation-needs. Utilization of the new cfpb mortgage servicing rules, the nation mortgage settlement and independent state laws will be key moving forward. Stripping down the validity of the debt and applying aggressive foreclosure defense will be crucial as well. Ultimately, more home owners will need to be prepared come in with down payments to get any proprietary modification done as well. The “outside the box” process is the way modification deals were completed prior to 2008……and we are heading back into that territory. Banks, loan servicers and non-bank servicers do not want to complete loan modification deals…regardless of what government propaganda has been disclosed in the past. There is no “yellow brick road” to follow or “magic carpet ride” waiting….. Every case moving forward will be hard fought trench warfare. We are used to the “trench warfare”, has the experience, utilizes proven proprietary techniques and know what it takes to win. We offer a free consultation and no nonsense approach to success. Feel free to call us at 877.297.7011.

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10:34 am EDT

Mr. Cooper what is going on?? increased $ per month just because???!!!

I want to know if their main goal is foreclosure? I think my brothers house has been put into pre-foreclosure at least 7 times in the past 5-7 years alone. He is disabled and just recently divorced, and they announced his monthly payment of 900.00 would increase back up to $1700 a month. So it was recommended he look into modification again. He did, I helped fill out the paper work. Phone calls, faxes and more paperwork later, they will not do the modification (even with proof of divorce and only his disability benefits to live on). Not only that, but I have just learned that he now owes a lot more $$ on this house despite continued payments. What is going on?

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KADEE41
, US
Feb 27, 2017 10:44 am EST
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They are trying to screw us over also! Earlier this month I paid 1800.00 and the man on the phone said YOUR good I also told him I would call back and make another payment. I called back today and they tell me that they are not accepting any payments for me for the next 3 days I can call Thursday morning and then I can make a payment. they also told me that the 1800.00 that I paid earlier this month was not applied because it was not the correct amount that needed to be paid! I don't understand the whole reasoning behind there business but I'm in the process of retaining lawyer and they can fight with my lawyer. YES I may be late but I always make it good I feel like they have scare tactics and that should be illegal. How can I get this NASTY mortgage company to sell my mortgage to someone else that will take better care of their people!

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1RugerGrl
, US
Feb 27, 2017 4:04 pm EST
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Replying to comment of KADEE41

Do not waste time on attorneys, they will not do what needs to be done in order to fight back like I have.
my cell# [protected]

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Light of Hope
, US
Jan 12, 2017 6:51 am EST
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LOAN MODIFICATION DENIED ? HERE ARE YOUR BEST MOVES

The term “loan modification” has become a household word over the last 8 years. Spurred by the financial crisis and housing meltdown, the era of modifying mortgage loans has lingered on at a very high rate. This particular era is something that nobody wants to deal with…the banks, homeowners, government & taxpayers all wish to exult the problems surrounding distressed mortgages. However, these problems are far from over. Many leading economists have predicted that nearly 11 million mortgage loans are headed into foreclosure. Failed government programs, weak loan modification deals, mortgage loan servicer abuse & rising home equity lead us into a new upcoming disaster zone. Understand that there was a long period of foreclosure stagnation from 2008 to 2012. Economic calamity amongst the banks and Federal Government litigation stalled out the process over 4 years. This period caused a massive log jam of home owners that are severely delinquent on their mortgage loans. Banks are now working through the log jam, profiling each homeowner to determine from a collection level.

These banks are essentially operating like collection agencies, since they are dealing with large volumes of defaulted loans. These banks / collection agencies are not the operations of yore. They are smarter, more technologically advanced and more efficient than even. In this new age of the internet, they are able to socially & financially profile anyone very quickly. They know what you earn, how much money you have in the bank & what assets you hold. Simply thinking you can hide information from them is wishful thinking. The home owner’s social and financial profile is the number one reason people are denied for loan modifications.

OK, so now what? Since the loan modification has been denied, the bank / collection agency will likely proceed with foreclosure action. At this point, blocking the foreclosure action with the only effective strategy. The “best offense is an excellent defense” strategic planning will be the only method to proceed with at this stage. Many folks feel that they can simply reapply, call free government counseling services or write simple dispute letters to the bank / collection agency.
All of these methods are a waste of time and are not effective in creating leverage. If you proceed aggressively by stripping down the validity of the debt or filing effective Fair Debt Collection Practices Act (FDCPA) complaints, you will gain traction by creating leverage. Filing a 92 point complex qualified written request is also an excellent maneuver.

If the opposition fails to file respond to remain in compliance with RESPA, you can proceed with a motion to compel. This motion has a case record of extinguishing foreclosure activity within the courts. Also, if you feel that you have been abused through payment misapplication or escrow padding, you can audit a payment ledger and file the necessary FDCPA complaints. You see, since all banks and collection agencies are collecting money for an investor, they need to abide by the FDCPA.

Long story short, if you are able to go through the trenches and battle your lender, eventually they will offer you a deal. Though it is a brutal process, it is very effective. We have executed on the above listed strategy for our clients for over 14 years. We have saved thousands of homes and settled large volume debts in the process.

Feel free to call us at 1.877.297.7011 for further insight on this topic.

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1RugerGrl
, US
Nov 11, 2016 1:31 pm EST
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Click on this link it will explain everything that they are doing

http://fresh-start.co/the-debt-collectors-best-weapon-and-loan-modifications

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1RugerGrl
, US
Oct 31, 2016 7:26 pm EDT
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Yes, it seems like Nationstar likes to keep us homeowners delinquent and play games to take our homes. Nationstar bullies and preys on homeowners until they are so mentally and emotionally exhausted they give up. I can get you help you need, I am fighting back against them
Contact me [protected]

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ron wilson
, US
Oct 24, 2016 2:51 pm EDT

please visit www.empirestatellc.com we can help you number is [protected]

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Mr. Cooper fraud, misapplied, payments illegal, foreclosure activity lawsuit

Nationstar has put us through 6 years of hell. We have made our payments, but they misapplied them. We are now in foreclosure because they refused my payment back in December 2014 saying we owed over $7, 000
They deliberately did this to make us delinquent!
I have all documented proof of fraud, and they owe us $89, 000 due to them and Citi Mortgage neglect in accounting.
I am fighting back have two active lawsuits against them, and the best defense that is affordable in my corner with over 30 years experience fighting these corrupt servicers!
There are many victims out there if you are one contact me I will help you.

[protected]
[protected]@gmail.com

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Lorraine Tong
, US
Nov 03, 2016 7:38 pm EDT

You can have your lawyers contact me...

Mr. Cooper Customer Reviews Overview

Mr. Cooper is a home loan and refinancing provider that aims to assist homeowners in managing their mortgages. They offer a variety of services including loan origination, mortgage servicing, and refinancing options. Customers can access their accounts online to make payments, view statements, and track loan progress. The company also provides tools and resources to help customers understand their home financing options and make informed decisions about their mortgage.

Mr. Cooper In-depth Review

In Summary: Mr. Cooper is a well-established mortgage lender that offers a variety of loan products and services. With a focus on customer service and a suite of online tools, Mr. Cooper aims to simplify the home loan process. Below is a detailed review of the company's offerings, application process, customer feedback, and more to help potential borrowers make an informed decision.

Company Overview: Mr. Cooper, formerly known as Nationstar Mortgage, has a solid history in the mortgage industry. The company provides a range of services including home loans, refinancing, and mortgage servicing. Mr. Cooper serves customers across the United States, offering a personalized approach to mortgage lending.

Loan Products: Mr. Cooper offers various loan options such as fixed-rate and adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans. The terms and conditions of these loans are competitive within the industry, with interest rates and fees that are transparent and in line with market standards.

Application Process: Borrowers can expect to provide standard documentation such as income verification, credit history, and employment information. The online application process is user-friendly, and the approval timeframe is reasonable, with some customers reporting quick pre-approval experiences.

Customer Service: Mr. Cooper is known for its responsive customer service, with representatives that are knowledgeable and helpful. Support is available through various channels including phone, email, and live chat, ensuring that customers can get assistance when needed.

Online Tools and Resources: The company's website features loan calculators and educational materials that are useful for prospective borrowers. Additionally, Mr. Cooper offers robust account management features, allowing customers to easily manage their loans online.

Payment Options: Mr. Cooper accepts various payment methods, including online payments and autopay features. The company's late payment policies are standard for the industry, and they encourage customers to reach out for assistance if they're facing financial difficulties.

Customer Feedback and Reviews: Positive testimonials often highlight Mr. Cooper's customer service and ease of use. While there are complaints, as with any large company, Mr. Cooper appears to be proactive in addressing and resolving customer issues. Overall customer satisfaction seems to be positive.

Financial Health and Stability: Mr. Cooper is considered a reliable and solvent company within the mortgage industry. It holds industry accreditations and complies with regulatory standards, contributing to its reputation for financial health and stability.

Refinancing and Loan Modification: The company offers refinancing options to help customers take advantage of lower interest rates or adjust their loan terms. Mr. Cooper also provides loan modification services, with an emphasis on minimizing the impact on customers' credit scores.

Additional Services and Features: Mr. Cooper provides escrow services and has a functional mobile app, enhancing the customer experience. Special programs are available for first-time homebuyers and veterans, offering tailored solutions to these groups.

Transparency and Honesty: Mr. Cooper is committed to transparency, providing clear terms and conditions and disclosing all fees and penalties upfront. Their marketing practices are designed to be straightforward and honest, fostering trust with customers.

Pros and Cons: Advantages of choosing Mr. Cooper include a wide range of loan products, strong customer service, and comprehensive online tools. Potential drawbacks could be the varying experiences with customer service and the standard fees associated with mortgage services.

Conclusion and Recommendations: Overall, Mr. Cooper is a reputable mortgage lender suitable for a variety of borrowers, from first-time homebuyers to those looking to refinance. The company's commitment to customer service and online accessibility makes it a strong contender in the mortgage industry. Final verdict: Mr. Cooper is worth considering for your mortgage needs, provided their loan offerings align with your financial situation.

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+1 (888) 480-2432 +1 (855) 375-4001 More phone numbers

Website

www.mrcooper.com

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