Mortgage Assistance Support

Mortgage Assistance Support


We’re proud to offer the “in-house” mortgage assistance programs described in the previous section.

You’ve also got some great potential sources of help managed by outside agencies. We can help you get connected to them if you think you might qualify.


The Hardest Hit Fund is a federal program created to assist homeowners in areas most affected by the economic downturn that began in 2007. Programs and eligibility vary by state.

Mr. Cooper currently participates in certain HHF programs in Washington, D.C., Alabama, Arizona, California, Florida, Georgia, Illinois, Indiana, Kentucky, Michigan, Mississippi, Nevada, New Jersey, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, and Tennessee.

If you live in one of these states and want to discuss your options for HHF assistance, contact us.

Learn more about HHF and its programs here.


First off, thank you for your service.

The last thing you need while you’re on active duty is to worry about falling behind on payments or losing your home.

Under a federal law called the Servicemembers Civil Relief Act, you may be entitled to a range of benefits that can make your situation easier.

If your loan was originated prior to your military service, you may be entitled to protection from foreclosure during your active service and twelve months following it. Also, if the interest rate on your loan is more than 6%, you may also be entitled to lower your interest rate to 6%.

You may be eligible for SCRA benefits if you are:

    • A regular member of the U.S. Armed Forces (Army, Navy, Air Force, Marine Corps, or Coast Guard).
    • Reserve or National Guard personnel who have been activated and are on federal active duty. (National Guard members and members of state military units who are called to state active duty are not covered by SCRA. However, many states have enacted laws that extend SCRA protections to such servicemembers who are called to state active duty.)
    • National Guard personnel under a call or order to active duty for more than 30 consecutive days under section 502(f) of title 32, United States Code, for purposes of responding to a national emergency declared by the President and supported by federal funds.
    • An active service member of the commissioned corps of the Public Health Service and the National Oceanic and Atmospheric Administration.
    • A U.S. citizen serving with the armed forces of a nation with which the United States is allied in the prosecution of a war or military action.

If you are interested in receiving protection and benefits under the SCRA, please send us a copy of your active duty orders.

After we receive it, we’ll let you know if we need additional information – this may include documents about your loan, debt, and FHA case number (if applicable).

You can email scanned or electronic versions of these documents to:

For hard copies, either fax to 855-856-0427 or mail to:

Mr. Cooper
ATTN: Military Families
PO Box 619098
Dallas, TX 75261-9741

Read more about SCRA benefits and eligibility here.