Mr. Cooper

Mr Cooper called me May 24 and stated it was a good time to refi my loan. Today is August 19 and final had my closing day schedule but 2 hours before I get a call that the loan processor forgot a document so we could not close. The loan processor Shvante Birdow is the worst. She never returned any emails or phone calls. I had to track down a manager which took until July for a return call. I shared with him all the negative reviews I was reading and he assured me that wouldn't happen. But here we are today with the same problem as 300 other people. I'm starting the process of doing a refi with someone else
They crazy thing they called me to start this process.

Well Mr Cooper handles insurance claims pay outs terribly. I would of never had my house done if I relied on them to pay me my money to fix my house. I was so far out of my pocket to finish my house it was ridiculous. The insurance only paid to patch my house back together. My house was built in 1956 and patching it back together was not an option because the city made me repair it up to code. Electric, plumbing all the studs and furing strips A/C dry wall roof windows so my house is completely new. Far from the cost of what insurance paid me. They play a game with your money you have to do circus tricks for your money while your contractor has to work slow cause you run out of the insurance money to pay him and cash out your 401k sell your boat and work more than usual to pay the off set till they give you your money to pay the contractor so it cost me double the amount the insurance payed me so beware if you have something happen to your house and wait for Mr. Cooper to pay you your money to fix your house

My loan was sold to Mr. Cooper a few months ago and it has been a complete nightmare from Day 1. I tried to set up bi-weekly autopay with them, which I had with my last company and never missed a payment or had any issues. I had to pay one month in advance (basically 2 mortgage payments). I did this TWICE, and they still couldn't figure out how to get it set up. When they asked me to advance pay a third time, I refused because I don't want anyone this incompetent with access to my bank account. So I set it up through my bank instead. But they didn't credit the payments correctly, then reported me late and tanked my credit score, when they had the money but just hadn't applied it! If you have a choice, DO NOT do business with these incompetent people! All the trash reviews all over the internet are for very good reason!

My loan was sold to Mr. Cooper shortly before I was laid off from a job. I requested that they work with me while I was looking for a new job. It is impossible to talk to someone - you just have to electronically message back and forth. They requested vast amounts of information and documents to be uploaded - tax returns, paystubs, etc. After months of back and forth, the answer came back that they wouldn't work with me because "default is not imminent." How would they know that from looking at the past?! I was telling them I have no income in the immediate future! At any rate, it was a horrible experience. My credit score took a gigantic hit because I missed a few payments. It all could have been avoided if they had worked with me for a very short period of time. Luckily I have refinanced with another company who seems to have humans working there.