We’re not a bank.

We’re one of America's top 20 home loan lenders and the 3rd largest loan servicer with three million customers.

We treat you right from the first call. And stay with you long after your loan closes*. Is that different? Yes. Is it better? We hope you’ll agree. Call now, and in minutes, we can talk about all our different home loan options, and tell you how much you could possibly lower your monthly payments.

We specialize in cash out loans to pay down higher interest debt. These loans unlock the equity in your house and use it to pay down credit card balances, car loans, and other high-interest debt. Our customers have lowered their monthly debt payments an average of $538 a month**.

Our Customers Have Lowered Their Monthly Debt Payments an Average of $538**

By consolidating their higher-interest debt with a cash out refinance, many Mr. Cooper customers are paying less to credit card companies each month and have more money to invest in their homes and families.

Personalized Loan Summary

In as little as 15 minutes, we can give you a personalized loan summary that could show you if a debt consolidation refinance could lower your monthly payments.



Call or submit this form and we can quickly talk about your options.


Like Joan from Corona, California. Her refinance loan lowered her debt payments by $546 a month. Michael from Charlotte, North Carolina refinanced his home loan, lowering his overall debt payments by $538 a month. And Zach from Springfield, Illinois lowered his debt payments by $518 a month, thanks to his cash out mortgage debt consolidation.

Actor portrayal of actual customer experience. Your results will vary and you may not have similar results. Payment reduction comparisons between total minimum debt monthly payments before and after refinance.

*Average monthly debt payment reduction figures based on Mr. Cooper refinances from July – December 2017 in which a customer paid off at least one non‐mortgage debt. Comparison between total minimum monthly payments before and after refinance. Individual results will vary.

**A debt consolidation refinance increases your mortgage debt, reduces equity, and extends the term on shorter‐term debt and secures such debts with your home. The relative benefits you receive from debt consolidation will vary depending on your individual circumstances. You should consider that a debt consolidation loan may increase the total number of monthly payments and the total amount paid over the term of the loan. To enjoy the benefits of a debt consolidation loan, you should not carry new credit card or high interest rate debt. By refinancing your existing mortgage, your total finance charges may be higher over the life of the loan.

This is not a commitment to lend. All loans are subject to credit and property approval. This offer is non-transferable and may not be combined with any other mortgage offer. Advertised offer is subject to change. If a personal code is present on the advertised offer, you must provide such code to claim the offer. We may gather information about you including, but not limited to, credit bureau information, information for verification of income, information for appraisal and verification of property being used for collateral. We also verify your identity. Income, assets, and debt must meet eligibility requirements as established by Government and/or Lender guidelines.

Mr. Cooper respects your privacy and treats your confidential information as such. For information, please review our Privacy Policy.