The phone number to reach Mr. Cooper's payment department is 1-866-839-8842
Mr. Cooper (formerly Nationstar Mortgage) operates a dedicated payment line separate from their general customer service number. When you call 1-866-839-8842, you reach the department that handles mortgage payments, payment arrangements, and payment-related questions. The line is available during business hours, typically Monday through Friday.
Have your loan number ready before you call. Mr. Cooper will ask for it to pull up your account and process your payment or discuss payment options. If you're calling about a late payment or to set up a payment plan, have information about your current financial situation available as well.
Key Takeaways
- Mr. Cooper's payment phone line is 1-866-839-8842, and it handles mortgage payments and payment arrangements.
- You will need your loan number to make a payment or discuss payment options over the phone.
- The payment line operates during business hours, typically Monday through Friday, and may have different hours than general customer service.
- If you cannot reach the payment line, Mr. Cooper also offers online payment options through their website or mobile app.
- Payment arrangements or forbearance options may be discussed if you are unable to make a full payment.
What information to have ready before calling
When you call the payment line, Mr. Cooper's representatives will need specific details to locate your account and process your request. Your loan number is the most important piece of information — it appears on your mortgage statement and in any correspondence from Mr. Cooper. If you don't have your statement handy, you can usually find your loan number in an email confirmation or account letter.
If you're calling to make a one-time payment, you'll also need to know the amount you want to pay and the account or bank information you're paying from. If you're calling about a missed payment or to discuss a payment plan, have details about your situation ready — when the payment was missed, why, and what you can afford to pay now.
Payment options available by phone
When you reach the payment line, you can make a one-time mortgage payment using a bank account or debit card. The representative will walk you through the process and confirm the payment amount and date. Payments made by phone are typically processed within one to two business days, though this can vary depending on your bank.
You can also discuss payment arrangements if you've missed a payment or are struggling to make your full monthly payment. Mr. Cooper may offer options such as a payment plan to catch up on arrears, a temporary reduction in your payment, or forbearance (a temporary pause on payments). These arrangements are negotiated case by case and depend on your situation and loan terms.
When to call versus using online payment
The phone line is most useful when you need to discuss your account, set up a payment plan, or have questions about your payment options. If you straightforward want to make a one-time payment quickly, Mr. Cooper's website or mobile app may be faster — you can log in, enter your payment amount, and confirm it without waiting on hold.
Call the payment line if you are behind on payments, need to negotiate a payment arrangement, or have questions about how much you owe or when your payment is due. The phone line also works if you don't have online access or prefer to speak with a person to confirm your payment went through.
Hours and wait times
Mr. Cooper's payment line typically operates Monday through Friday during standard business hours. Exact hours may vary by season and by the volume of calls the company is receiving. If you reach an automated system, it will usually display the current hours or offer you the option to leave a callback request.
Wait times can be longer during the first few days of the month, when many borrowers are making payments, and during the days when ready before or after a payment due date. Calling early in the morning or mid-week may result in shorter wait times. If you reach a long hold queue, you can ask the automated system if a callback option is available.
Alternative ways to pay Mr. Cooper
Beyond the phone line, Mr. Cooper offers several other payment methods. You can log into your account on their website or mobile app to make a payment online. Online payments typically process within one to two business days and may have lower fees than phone payments.
You can also set up automatic payments (often called autopay) so your mortgage payment is withdrawn from your bank account on the same date each month. This removes the need to call or log in each month. To set up autopay, log into your account online or call the payment line and ask a representative to help you enroll.
What to do if you can't reach the payment line
If the payment line is busy or closed, you have other options. Mr. Cooper's general customer service line can often direct you to payment services or take a message for the payment department to call you back. You can also visit their website to make a payment online or to find additional contact information for your specific situation.
If you're facing a financial hardship and need to discuss payment options urgently, the website may have information about hardship programs or forbearance. Some borrowers also find it helpful to send a written request to Mr. Cooper's mailing address (which appears on your statement) if phone lines are consistently unavailable.
Frequently Asked Questions
Can I make a payment over the phone with a credit card?
Most mortgage servicers, including Mr. Cooper, do not accept credit card payments over the phone due to processing fees. You can typically pay with a debit card or by providing your bank account information for an electronic transfer. Check with the representative about what payment methods are available when you call.
What happens if I call to make a payment but miss the important date?
If you call to make a payment after your due date has passed, the payment will still be processed, but it may be recorded as late depending on when it posts to your account. Late payments can affect your credit report. If you're behind, ask the representative about payment arrangements or forbearance options that may help you catch up.
Do I need to call every month to make a payment?
No. You can set up automatic payments (autopay) so your payment is withdrawn automatically each month. This is often the easiest option and removes the need to call or log in repeatedly. You can set up autopay by calling the payment line or through your online account.
Is there a fee to pay by phone?
Mr. Cooper may charge a fee for phone payments, though this varies. Ask the representative about any fees before you confirm your payment. Online payments and automatic payments often have lower or no fees, so compare your options if cost is a concern.
What if I need to discuss a missed payment or hardship?
Call the payment line and explain your situation to the representative. They can discuss options such as payment plans, temporary payment reductions, or forbearance. Have details about your financial situation ready so the representative can understand what you can afford and what options may be available to you.