Log in to your Mr Cooper account to make a payment
Mr Cooper (formerly Nationstar Mortgage) lets you log in through their website or mobile app to view your loan and make payments. Go to mrcooper.com, click "Login" in the top right, and enter your username and password. If you don't have an account yet, you'll need to create one first by providing your loan number and other identifying information.
Once logged in, you can make a one-time payment, set up automatic payments, or view your payment history. The payment goes through immediately if you pay before the cutoff time (usually 8 p.m. Eastern on business days), though it may take a day or two to show in your account balance.
Key Takeaways
- Create a Mr Cooper online account at mrcooper.com using your loan number and personal information if you haven't already.
- Log in with your username and password to access your account dashboard and payment options.
- One-time payments process the same day if submitted before the evening cutoff, but may take one to two business days to post to your account.
- You can set up automatic monthly payments from a bank account or pay by debit card, though debit card payments may carry a fee.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email or security questions.
What you need to log in for the first time
To create your Mr Cooper account, have your loan number ready — it's on your mortgage statement or closing documents. You'll also need your Social Security number, date of birth, and the property address. Mr Cooper will ask you to create a username and password, then send a verification code to your email or phone.
If you've never received a statement or don't have your loan number, call Mr Cooper's customer service at 1-800-669-6607 to confirm your account details before trying to set up online access. This step prevents lockouts from repeated failed login attempts.
Making a one-time payment online
After logging in, select "Make a Payment" or "Pay Now" from your account dashboard. Choose whether you're paying from a bank account (usually free) or a debit card (may charge a fee of $2 to $5). Enter the amount you want to pay — you can pay your full monthly payment, make an extra payment toward principal, or pay any amount you choose.
Review the payment details before confirming. Mr Cooper will show you the expected posting date. Payments submitted before the cutoff time on a business day typically post the same day; payments submitted after hours or on weekends post the next business day.
Setting up automatic monthly payments
Automatic payments remove the need to log in each month. From your account dashboard, select "Autopay" or "Automatic Payments" and choose your payment amount and due date. You can set it to pay your minimum monthly payment, a fixed amount, or your full statement balance.
Link a bank account for the lowest cost — automatic bank payments are free. You can change or cancel automatic payments anytime through your account, though Mr Cooper typically needs notice before your next scheduled payment date. If you cancel, you'll need to make manual payments again.
What to do if you can't log in
If you've forgotten your password, click "Forgot Password" on the Mr Cooper login page. You'll receive a reset link by email or answer security questions to create a new password. This usually takes a few minutes.
If you're locked out after multiple failed login attempts, wait 24 hours before trying again, or call Mr Cooper at 1-800-669-6607 to have them unlock your account. If you never received a welcome email with your temporary password, check your spam folder or request a new one through the login page.
Payment methods and fees
Mr Cooper accepts payments from a bank account (checking or savings) at no charge. Debit card payments typically cost $2 to $5 per transaction, depending on the card type. Credit card payments are not usually available through the online portal.
If you prefer to pay by phone, mail, or in person, Mr Cooper accepts those methods too — contact them for mailing address and phone payment details. Payments by mail take longer to post (typically 5 to 7 business days), so plan ahead if your payment is due soon.
Understanding payment posting and due dates
Your payment due date is set by your loan agreement and appears on your monthly statement. Mr Cooper considers a payment on time if it posts to your account by 11:59 p.m. Eastern on the due date. Payments submitted online before the cutoff time usually post the same day, but bank processing can add one to two days.
If you're cutting it close to your due date, make your payment at least two business days early to be safe. If your payment is late, Mr Cooper will charge a late fee (the amount varies by state and loan terms) and may report it to credit bureaus after 30 days past due.
Frequently Asked Questions
Is there a fee to pay online through Mr Cooper?
Payments from a bank account are free. Debit card payments usually cost $2 to $5 per transaction. Credit cards are typically not available through the online portal. Check your payment confirmation for the exact fee before submitting.
How long does it take for my payment to show up in my account?
Payments submitted before the evening cutoff on a business day usually post the same day. Payments submitted after hours or on weekends post the next business day. Bank processing can add one to two additional days in some cases.
Can I change my payment due date?
Your due date is set by your loan agreement and typically cannot be changed through the online portal. Contact Mr Cooper at 1-800-669-6607 to ask about changing your due date; some loan types allow it, but others do not.
What happens if I pay more than my monthly payment?
Extra payments go toward your principal balance, reducing the total interest you'll pay over the life of the loan. Make sure your payment instructions specify that extra funds should go to principal, not be held as a credit toward next month's payment.
Can I make a payment if I'm behind on my mortgage?
Yes, you can make payments at any time. If you're behind, contact Mr Cooper to discuss your options — they may offer a loan modification, forbearance, or repayment plan to help you catch up without losing your home.