Are You Facing Foreclosure with Mr. Cooper? You Are Not Alone.

If you are falling behind on payments with Mr. Cooper (formerly Nationstar), you likely know the frustration of long hold times, transferred calls, and confusing paperwork. At United Capital Mortgage Assistance (UCMA), we understand exactly what you are going through because we have helped thousands of homeowners navigate this specific lender’s bureaucracy since 1997.

Foreclosure is stressful, but it does not have to be the end. You have options, and having an experienced advocate on your side can make the difference between losing your home and securing financial stability.

Why Use UCMA for Your Mr. Cooper Loan Modification?

Experience That Matters While many housing counselors offer generic advice, UCMA has decades of direct experience dealing with companies like Mr. Cooper’s Loss Mitigation department. We know their specific timelines, their internal “packet” requirements, and the common administrative delays that cause unrepresented homeowners to miss deadlines.

Expertise in Foreclosure Prevention We do not just fill out forms; we understand the underwriting guidelines used by major lenders. Our team reviews your financial situation before submission to ensure your modification package presents the strongest possible case for approval.

We Fight for You

• Document Preparation: We ensure every page of your financial package is accurate to prevent “missing document” rejections.
• Negotiation: We communicate directly with Mr. Cooper on your behalf, so you don’t have to spend hours on hold.
• Accountability: We track every submission and fax confirmation to ensure Mr. Cooper acknowledges receipt of your file.
• Customer Communication: We provide consistent, weekly updates to all our clients.

Get Started Today: Click here to request your Free Foreclosure Prevention Consultation or call us at 1-800-474-1407.

Mr. Cooper Loss Mitigation Contact Information

If you are attempting to handle your modification on your own, it is critical to use the correct direct lines for the Loss Mitigation department rather than general customer service.

Important Note: UCMA is a private foreclosure prevention firm and is not affiliated with Mr. Cooper. The information below is provided as a resource to help you.

• Cooper Loss Mitigation Phone: 833-685-2566
• Cooper Mortgage Assistance Fax: 214-488-1993
• Mailing Address for Docs: PO Box 619097, Dallas, TX 75261

Online Portal: Mr. Cooper Mortgage Assistance Portal

Government Agencies That Can Help

In addition to private assistance from UCMA, there are government resources available to homeowners facing foreclosure. We encourage all homeowners to explore every avenue available to them.

• CFPB (Consumer Financial Protection Bureau): Find a Housing Counselor
• HUD (Dept. of Housing and Urban Development): Avoiding Foreclosure Guide

Homeowner Assistance Fund (HAF): HAF Program Information

The UCMA Difference: Why “Going it Alone” is Risky

Mr. Cooper, like many large servicers, manages millions of loans. It is common for unrepresented homeowners to face:

1. Dual Tracking: The lender proceeding with foreclosure while simultaneously reviewing your modification application.
2. Stale Documents: Delays in review causing your pay stubs or bank statements to “expire,” requiring you to restart the process.
3. Ambiguous Denials: Receiving denial letters for reasons that are unclear or incorrect based on the math.

UCMA acts as your firewall against these errors. We hold the lender accountable to the regulations and ensure your file moves forward.

Frequently Asked Questions About Mr. Cooper Loan Modifications

How long does it take for Mr. Cooper to approve a loan modification?

While Mr. Cooper’s official timeline is often stated as 30 to 45 days once a file is “complete,” the reality can be quite different. In our experience, unrepresented homeowners often face delays of 3 to 6 months due to documents being lost or expiring (becoming “stale”) during the review process. UCMA speeds this up by ensuring your package is 100% complete and compliant with Mr. Cooper’s internal standards before submission.

Can I stop a foreclosure auction if a sale date is already scheduled?

Yes, it is often possible to stop a sale date, but you must act immediately. Mr. Cooper typically requires a complete loss mitigation application to be on file at least 37 days before the foreclosure sale to guarantee a review (under CFPB rules). However, UCMA specializes in emergency situations and can often escalate cases that are closer to the sale date. Do not wait—call us at 1-800-474-1407 immediately.

Why did Mr. Cooper deny my loan modification request?

Denials often happen for three reasons:

1. “Incomplete Application”: They didn’t receive a specific document in time.
2. “NPV (Net Present Value) Failure”: Their math showed that foreclosing was more profitable for the investor than modifying the loan.
3. Incorrect Income Calculation: The underwriter misread your pay stubs or self-employment income. UCMA reviews your denial to catch these math errors and can help you appeal the decision.

Is Mr. Cooper the same company as Nationstar?

Yes. Nationstar Mortgage rebranded to Mr. Cooper in 2017. If you had a loan with Nationstar, your loan is now serviced by Mr. Cooper. The systems and loss mitigation protocols remain largely the same, and our team has experience working with this entity under both names.

Ready to Stop Your Mr. Cooper Foreclosure?

Don’t wait until the sheriff’s sale is scheduled. The earlier you act, the more options you have to save your home.

Take Action! For Your FREE Consultation Call: 1-800-474-1407 – Click Contact UCMA or Apply Online – Trusted by Thousands Since 1997.