Mr. Cooper's bill pay system lets you make payments through their website, mobile app, or by mailing a check
Mr. Cooper (formerly Nationstar Mortgage) operates an online payment portal where you can pay your mortgage from your bank account or debit card. You can also set up automatic payments so the amount comes out on a schedule you choose, mail a check to the address on your statement, or call their payment line to pay by phone. The method you pick affects when the payment posts to your account and whether you pay a fee.
Most borrowers use the online portal because it's free and shows confirmation immediately. Automatic payments are also free and remove the risk of missing a due date. Mailed checks take longer to process — typically 7 to 10 business days — so you need to send them well before your due date to avoid a late fee. Phone payments may carry a fee depending on the payment method you choose.
Key Takeaways
- Mr. Cooper's online portal and mobile app are free to use and show your payment status right away.
- Automatic payments from your bank account are free and prevent missed payments, but you can change or cancel them anytime.
- Mailed checks take 7 to 10 business days to process, so send them at least two weeks before your due date.
- Phone payments may charge a fee; ask Mr. Cooper which payment methods incur a cost before you pay that way.
- Your loan number and the exact payment amount appear on your monthly statement or in your online account.
Setting up online bill pay through Mr. Cooper's website
Go to Mr. Cooper's website and log into your account using your username and password. If you don't have an online account yet, you'll need to create one with your loan number and personal information. Once you're logged in, look for a "Make a Payment" or "Pay Now" button, usually visible on your account dashboard.
Enter the amount you want to pay and choose your payment method: bank account (ACH transfer) or debit card. Bank account payments are free and typically post within one business day. Debit card payments may carry a fee — check the payment screen before you confirm. You'll receive a confirmation number immediately; save this for your records. Mr. Cooper will also send you an email receipt.
Using the Mr. Cooper mobile app to pay your bill
Download the Mr. Cooper mobile app from the Apple App Store or Google Play Store. Log in with the same username and password you use on the website. The app shows your loan balance, due date, and payment history in one place.
To make a payment, tap "Make a Payment" or "Pay Now" and follow the same steps as the website: enter the amount and choose your payment method. Mobile app payments work the same way as website payments — they're free from a bank account and may charge a fee for a debit card. You'll get a confirmation number on your phone and an email receipt.
Setting up automatic payments to avoid missed due dates
Automatic payments (sometimes called autopay or recurring payments) withdraw your full monthly payment from your bank account on a date you choose. This is free and removes the risk of forgetting to pay. To set it up, log into your Mr. Cooper account online, find the autopay or recurring payment section, and enter your bank account details.
You can choose the payment date — many borrowers pick the day after they get paid so the money is in their account. You can change the payment date, pause autopay, or cancel it anytime through your account. If your payment amount changes (because of a tax or insurance adjustment), Mr. Cooper will update the autopay amount automatically, but you should check your account to confirm the new amount before the next payment date.
Mailing a check to Mr. Cooper
Your monthly statement shows a mailing address for payments. Write your loan number on the check and mail it to that address. Do not mail payments to Mr. Cooper's main office address — use only the payment address on your statement, as payments sent elsewhere may be delayed or lost.
Checks take 7 to 10 business days to clear after Mr. Cooper receives them. Because of this delay, mail your check at least two weeks before your due date. If your due date is the 15th, send the check by the 1st to be safe. Keep a copy of the check or write down the check number for your records. If you're worried the check won't arrive in time, use online pay or call Mr. Cooper's payment line instead.
Paying by phone and understanding phone payment fees
Call Mr. Cooper's payment line to pay by phone. The number is on your statement. You'll need your loan number and either a bank account or debit card ready. A representative will walk you through the payment and give you a confirmation number.
Phone payments from a bank account are usually free, but phone payments from a debit card often carry a fee — sometimes $5 to $15 depending on the payment processor. Ask the representative what the fee is before you authorize the payment. If you need to pay quickly and don't have online access, phone payment is an option, but it costs more than online or automatic payments.
What happens if you miss a payment or pay late
Your payment is considered late if it's not received by the due date shown on your statement. Mr. Cooper typically charges a late fee if your payment arrives after that date. The late fee amount is in your loan documents and varies by state and loan type.
A late payment also appears on your credit report and can lower your credit score. If you're going to miss a due date, contact Mr. Cooper right away — they may offer a short extension or a payment plan. Paying online or setting up autopay is the easiest way to avoid late fees because you control the exact payment date and get confirmation immediately.
Frequently Asked Questions
How do I find my loan number to make a payment?
Your loan number appears on your monthly mortgage statement, usually near the top. It's also in your online account dashboard. You'll need this number to make a payment by phone, mail, or online if you're paying from a different account than the one linked to your loan.
Can I pay more than my monthly payment amount?
Yes. You can pay extra toward principal anytime through the online portal or by phone. Extra payments reduce the total interest you'll pay over the life of the loan and can shorten your payoff timeline. Ask Mr. Cooper whether extra payments are applied to principal automatically or if you need to request that in writing.
What if I set up autopay but need to skip a month?
Log into your account and pause or cancel autopay for that month. You can restart it the following month. If you're having trouble making payments, contact Mr. Cooper to discuss options like forbearance or a loan modification before you miss a payment.
Do I get a receipt when I pay online?
Yes. You'll see a confirmation number on your screen right after you pay, and Mr. Cooper will email you a receipt. Save both for your records. You can also view your payment history in your online account anytime.
Is there a difference between paying through the website and the mobile app?
No. Both use the same account and payment system. Payments made on either platform post at the same speed and cost the same. Choose whichever is more convenient for you.