If you receive a phone call, letter, or email regarding your mortgage which appears to be suspicious, especially those that require payments or changes to your mortgage terms; then please call us right away.

Here are a few common “red flags” that indicate a communication is likely a scam:

• Communications with a sense of urgency and possibly your Mortgage ID number. We never send mail with your loan information printed on the outside.

• Contact phone numbers that do not begin with a toll-free area code (e.g., 800, 855, 866, etc.). We never provide personal or cell phone contact numbers in official communications related to homeowner assistance.

• A trial or modification agreement from the “Underwriting Department.” Our underwriting department never sends notifications directly to customers.

• Requests to make payments with “unconventional” methods. These may include a prepaid/”Green Dot” debit card, or a Western Union/MoneyGram wire to an individual (rather than Mr. Cooper). You can always review our official payment method options. If a requested method doesn’t exactly match one on the list, please call us immediately.

• Requests for up-front or advance payment to begin the modification, refinancing, or reinstatement application process. We never charge fees for applying or approving loan modifications.

• Advice to start making payments to any third party instead of us for any reason.

• Pressure to make any commitments you don’t fully understand. Be especially careful if you’re pressured to sign over your deed or sign any paperwork you haven’t had a chance to fully review and ask questions about.

• The phrases “government approved” or “official government” in descriptions of loan modification offers. Government agencies like HUD, and government-sponsored entities like Fannie Mae, will never contact you to offer you a loan modification.

• Finally, if you have been making payments and have been led to believe they are going toward a trial or modification agreement, but we have no record of the payments, then something may be wrong. Please call us as soon as possible so we can research the issue.