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.

Payments you’ve been making that you were led to believe were going toward a trial or modification agreement, but we have no record of them.
Please contact us as soon as possible so we can research the issue.