We've got a wide range of ways to make payments, including mail, phone, and online. Other than carrier pigeons, accurately-thrown paper airplane, and those cool pneumatic message tubes they used to have in the 1930s, we've probably got your favorite one.
Look over your options below and find the method that works best for you.
HOW DO I SET UP AUTOPAY?
AutoPay deducts your monthly payment on the same date each month from the checking, savings, or money market account of your choice.
HOW DO I MAKE A ONE-TIME PAYMENT?
You can also make a non-recurring one-time payment here.
And check out our handy Smart Calendar, which shows you what you need to know about your due date, grace period, and more. Here's a video on how it works and where to find it:
By the way, your grace period is a set number of days after your official due date when we'll still accept your payment without marking it as "late".
If you pay after your grace period, the payment counts as late and may pick up some late fees. And those are always a drag.
(Reminder: AutoPay keeps the late fees away!)
You can view a complete list of fees here.
HOW DO I LINK MY BANK ACCOUNT?
To set up AutoPay or make a one-time online payment, just enter the account and routing number of your preferred checking or savings account. Here's an animation that shows where to enter the numbers.
If you don't know your account number and routing number, you can find it by signing in to your account on your bank's website. For checking accounts, it should also be at the bottom of your checks.
WHAT IF I HAVE MORE THAN ONE LOAN?
It's easy to toggle between your loans so you can make payments on each. Just use the handy loan switcher feature on the upper left of your main account overview page. Below is an animation showing where the loan switcher is located and how it works.
Pay by Mail
We still accept payments by tried-and-true paper mail too. If you're an envelopes-and-stamps kinda homeowner, here's what you need to do:
First write a check or get a money order payable to "Mr. Cooper."
Then grab your latest monthly statement. It has a detachable coupon at the bottom. Pull it off.
Stuff the coupon and your check or money order into an envelope addressed to:
PO Box 650783
Dallas, TX 75265-0783
Slap on a stamp, drop it in the mailbox, and it's a done deal.
Once we receive your payment it may take a few days to process. Don't worry though, the date we receive it is your official payment date.
Pay by Phone
Let's say you want to make your payment now. But you're also using one hand to practice your yo-yo skills. Or maybe you're driving. Or for whatever reason, you're not able to make an online payment right now or bother with the mail.
Phone to the rescue. Just call 888-480-2432 and follow the instructions to make an automated phone payment. You'll need your account number and the last four digits of your Social Security number handy.
A fee of up to $14 may apply.
(If you're driving, please don't call us unless you have one of those cool hands-free Bluetoothy things. Safety first, always, forever.)
You can also make a phone payment by talking to live human beings. (We've got tons of them.) Call the same number – 888-480-2432 – and speak with one of our friendly reps.
With this method, a fee of up to $19 may apply.
Other Payment Options
Western Union® QuickCollect®
Good ol' Western Union can ensure your payment is sent and received on the same day. Just check their website or call 800-325-6000 to find the nearest location to you.
Head over there and complete a blue QuickCollect® form. Be sure your name and loan number are on there. You'll also need to include this info:
Pay to: Mr. Cooper
All QuickCollect® transactions require cash, and Western Union® charges a fee for this service.
You can also send a same-day payment via our friends at MoneyGram. Find your nearest MoneyGram agent on their website or by calling 800-926-9400.
At their office, fill out a blue ExpressPayment form, and be sure to include your name and your loan number.
When you get to the part where you're asked for a MoneyGram Receive Code, it's 1678.
You need cash to make a MoneyGram ExpressPayment, and they'll charge a fee for the service.
Sometimes it's hard to make a monthly payment on time. And sometimes it's impossible. We know. It happens.
If you're having a rough month and think you might not be able to make your payment on time, the best (and most important) thing to do is give us a call right away at 888-480-2432 and let us know.
This call is all about helping you. We'll do everything we can to understand your situation and work out an arrangement for getting you back on track.
The important thing is that you reach out to us (888-480-2432) as soon as you get the feeling you might have trouble with your payment. The sooner you call, the more we can help.
We're your partner in this. You're never on your own.