payoff quote request

To request a payoff quote, please complete the payoff quote form. This form is intended for 3rd parties acting on behalf of Mr. Cooper customers.

If you are a customer and want to request a payoff quote directly, please contact us.

3rd party authorization

The easiest way to authorize a 3rd Party to conduct mortgage business on your behalf is through your Settings page. Simply scroll down to the Authorize 3rd Party section, select “Edit,” and complete the required information.

You can also download the form to fill out by hand. Once completed and signed, you can email a scanned .pdf of the completed form to ResearchIncoming@mrcooper.com.

You can also send it by mail to:

Mr. Cooper
Attn: Research Department
8950 Cypress Waters Boulevard
Coppell, TX 75019

west virginia borrowers represented by counsel

Pursuant to state law, and at the direction of the West Virginia Attorney General’s Office, if a borrower is represented by counsel in West Virginia, we are not permitted to talk to the borrower directly without written authorization from the attorney authorizing such communication.

The form can be downloaded, completed and returned to us via one of the following methods:

Via fax at 972-459-1611 or email at researchincoming@mrcooper.com.

borrowers in bankruptcy seeking loss mitigation and represented by counsel

Pursuant to federal law, if a borrower is represented by counsel in a bankruptcy proceeding, we are not permitted to discuss loss mitigation options with the borrower directly without written authorization from the attorney. However, the attorney can provide us with written authorization to discuss loss mitigation options with the borrower.

The form can be downloaded, completed and returned to us via one of the following methods:

Via fax at 972-459-1611 or email at researchincoming@mrcooper.com.

If you are a borrower in West Virginia, we have a form specific to your state. Please download the form and follow the instructions above.

verification of mortgage (vom)

For an official statement verifying your existing mortgage balance, monthly payments, and any late payments, please complete a 3rd Party Authorization form.

Send the signed authorization form plus a note requesting a VOM to:

Mr. Cooper
Attn: Research Department
8950 Cypress Waters Boulevard
Coppell, TX 75019

You can also email your request plus a scanned version of your signed form to: VOMRequest@mrcooper.com

We can send your VOM by mail or fax. Please specify your preferred method when you send your authorization, and clearly indicate the mailing address or fax number where you would like to receive it.

Please allow up to four business days from receipt of your request for us to generate your VOM statement.

*We recommend consulting an attorney before making any of the below requests*

subordination requests

If you have multiple liens on your property and would like Mr. Cooper to consider a subordination request, please send us the following items:

  1. A money order or cashier's check for $250.00 payable to Mr. Cooper. This fee is NOT required if you have an FHA-insured loan, OR if your property is in any of the following states/territories: AZ, CO, GU, IA, KS, MO, NC, NJ, PA, SC, TN, VA and WY.
    If your subordination request is denied, we will refund half this fee ($125.00). Please also note that if your other lienholder(s) require revisions of any of the documents we prepare as part of your subordination agreement, we will require an additional $50.00 fee submitted with revised documents (typically 1003, 1008, GFE, and/or Estimate / Closing Disclosure) prepared by the other lienholder.

  2. If the agreement you seek requires Mr. Cooper to speak to a 3rd party working on your behalf, please submit a signed statement (including your loan number) authorizing us to do so. This must be submitted prior to processing your request.

  3. The requestor's contact information, including full name, address, phone number, email address, etc.

  4. The new lender's full contact information, including address, email, phone, and fax.

  5. Copies of Form 1003 (loan application), and form 1008 (completed underwriting summary)

  6. Copies of conditional loan approval

  7. Copy of current appraisal, dated within the last four months. (AVM, DU report, and/or HVE may be used if the loan is an FHA Streamline Refinancing or HARP loan.)

  8. Preliminary Estimate / Closing Disclosure (as close as possible to the one that will be used at closing.)

  9. A copy of the payoff statement for the first mortgage.

  10. A copy of the most recent title work (including Title Commitment and Lien Search).

  11. Your full credit report and scores. Please include a summary of how many 30, 60, and 90 day late payments are on the report to expedite the process.

  12. Your current first lien note and any addendum.

You can email electronic versions of these documents to subordination@mrcooper.com. You can also fax them to 972-353-6984 or mail to:

Mr. Cooper
Attn: Document Administration / Subordination Request
PO BOX 619084
Dallas, TX 75261-9741

Please keep in mind that these are investor requirements and must be satisfied. Specific investor guidelines may require additional documentation.

Incomplete or inaccurate subordination request packages may delay or void the request. If a Subordination request is received and does not include all of the required items listed above, we will allow the requesting party thirty (30) days to submit the additional information. If the request still lacks the necessary information after thirty (30) days, the original requested documents will be returned to the requesting party.

Upon submission of a complete package, please allow a minimum of 15 business days (depending on investor approval) for processing.

Please note that we cannot guarantee the approval of a subordination request, even if all required documents are submitted in a timely manner.

Mr. Cooper will not approve a subordination request if the payment amount for the refinanced loan increasing without a term reduction. We will also not subordinate if the interest rate and/or CLTV for the refinanced loan are increasing. There may be other reasons for rejecting a subordination request not listed here.

If we approve the subordination request, we will mail the Subordination Agreement to the requesting party. If you would like us to send Subordination Agreement by express mail, please enclose the appropriate mailing/postage documents (with all addresses filled in) with the request package.

When complete, a copy of the recorded Subordination must be mailed to the address above as soon as possible.

oil and gas requests

If your loan is current and you would like to sell your property's mineral rights, please submit an Oil and Gas request to us. Please submit all of the following with your request:

  1. A money order or cashier's check for $250.00 payable to Mr. Cooper. This fee is NOT required if you have an FHA-insured loan, OR if your property is in any of the following states/territories: AZ, CO, GU, IA, KS, MO, NC, NJ, PA, SC, TN, VA and WY. If your Oil and Gas Request is denied, we will refund half this fee ($125.00).

  2. A complete and recorded copy of the lease agreement, if any.

  3. An application for Release of Security. Please be sure to complete all of page one. The form is required if you have a Fannie Mae loan, but will help the processing of your application regardless.

  4. If the agreement you seek requires Mr. Cooper to speak to a 3rd party working on your behalf, please submit a signed statement (including your loan number) authorizing us to do so. This must be submitted prior to processing your request.

  5. If drilling operations are to take place on your property, please provide a Survey/Drill Site Map that shows the location and distance of the house and of the oil and gas operation.

  6. A letter from an appraiser that indicates the impact the oil and gas operation will have on the value of the property, and the commonality within the area.

You can email electronic versions of these documents to subordination@mrcooper.com. You can also fax them to 972-353-6984 or mail to:

Mr. Cooper
Attn: Document Administration / Oil and Gas Request
PO BOX 619084
Dallas, TX 75261-9741

Please allow up to 30 business days for processing your Oil and Gas request. If we approve your request, we will mail documentation to the requesting party for recording with the appropriate county. If you would like us to send it by express mail, please enclose the appropriate mailing/postage documents (with all addresses filled in) with the request package.

Incomplete or inaccurate Oil and Gas Request packages may delay or void the request. If a request is received and does not include all of the required items listed above, we will allow the requesting party thirty (30) days to submit the additional information. If the request still lacks the necessary information after thirty (30) days, the original requested documents will be returned to the requesting party.

Upon submission of a complete package, please allow a minimum of 15 business days (depending on investor approval) for processing.

Please note that we cannot guarantee the approval of an Oil and Gas request, even if all required documents are submitted in a timely manner.

partial release requests

If your loan is current, has not had a 30-day late payment in the past 12 months, and meets certain other conditions, you may request a Partial Release. An approved Partial Release enables you to sell a portion of your property (such as undeveloped land) before you have paid off your mortgage.

If you would like us to consider a Partial Release for your property, please submit a request along with the following items:

  1. An Application for Release of Security. If you have a Fannie Mae loan, you can download the application form here. If your loan is not with Fannie Mae, please contact us for information on how to submit this application. Please be sure to fill this out form completely and submit with the other information requested below. Information on this form may require additional investor approval on the Partial Release request.

  2. A money order or cashier's check for $250.00 payable to Mr. Cooper.

  3. If the agreement you seek requires Mr. Cooper to speak to a 3rd party working on your behalf, please submit a signed statement (including your loan number) authorizing us to do so. This must be submitted prior to processing your request.

  4. An appraisal dated in the past six months including the property's value before and after the proposed partial release, an estimate of the property's future marketability. (This does not apply to FHA Streamline Refinancings.) The appraisal must also include:

    1. The legal description of the land to be released under the partial release.

    2. The legal description of the land that will remain under the lien.

    3. A complete survey of the land to be released. If this cannot be included in the appraisal, it must be included in a separate survey.

    4. A complete survey of the land that will remain under the lien, including the surveyor's sketch showing the location of the home. If this cannot be included in the appraisal, it must be included in a separate survey.

  5. A letter explaining the purpose of the partial release, defining the area requested to be released, any expectations of changes in the property's marketability after the release, and any compensation you expect to receive for the transaction involving the released land.

  6. The sales contract (if applicable).

You can email electronic versions of these documents to subordination@mrcooper.com. You can also fax them to 972-353-6984 or mail to:

Mr. Cooper
Attn: Document Administration / Partial Release Request
PO BOX 619084
Dallas, TX 75261-9741

Once we've received your information and documents, your request will be reviewed according to investor guidelines. A partial release can only be approved if you have reached a pre-determined combined loan-to-value ratio (CLTV) on your loan. After receiving your partial release request we will inform you if you need to contribute additional funds to reach the required CLTV.

Please allow up to thirty business days for processing your Partial Release request. If we approve your request, we will mail documentation to the requesting party for recording with the appropriate county. If you would like us to send it by express mail, please enclose the appropriate mailing/postage documents (with all addresses filled in) with the request package.

Incomplete or inaccurate Partial Release Request packages may delay or void the request. If a request is received and does not include all of the required items listed above, we will allow the requesting party thirty (30) days to submit the additional information. If the request still lacks the necessary information after thirty (30) days, the original requested documents will be returned to the requesting party.

Your CLTV after the partial release cannot exceed your CLTV before the release. If your CLTV is lower after the partial release, you will be required to apply proceeds of the transaction towards the loan's principal until the CLTV is equal to what it was before the partial release. Our value in the property must be secured before processing a partial release request, and any reduction in value cannot exceed the principal payment received.

Please note that we cannot guarantee the approval of an Partial Release request, even if all required documents are submitted in a timely manner.

easement rights / lien holder consent requests

Easements are the rights to access or otherwise use someone else's property. People seek easements for many reasons, including placing signs, installing roads and driveways, and more. If you would like to grant an easement for a property for which you have a Mr. Cooper loan, we (the Lien Holder) must consent first.

To submit a request for Easement/Lien Holder Consent, your loan must be current with no payments made more than 30 days late over the past twelve months. This request must not involve any release of collateral. If you are looking to sell a part of your mortgaged property (such as land), please submit a Partial Release request. If you are looking to sell your mineral rights (such as for oil/gas drilling), please submit an Oil and Gas request.

Please include the following with your Easement/Lien Holder Consent request:


  1. An Application for Release of Security. If you have a Fannie Mae loan, you can download the application form here. If your loan is not with Fannie Mae, contact us for information on how to submit this application. Please be sure to complete and submit this application ASAP, as it may indicate certain conditions that will extend the timeframe of your approval process.

  2. A money order or cashier's check for $250.00 payable to Mr. Cooper. (This will be returned if your request is denied.)

  3. If the agreement you seek requires Mr. Cooper to speak to a 3rd party working on your behalf, please submit a signed statement (including your loan number) authorizing us to do so. This must be submitted prior to processing your request.

  4. A letter explaining the reason for the easement requested. This should include a description of the scope of any work to be undertaken on the property after the easement is granted. It should also note any expected changes of the property's marketability, whether any land is being added or removed from the property, and any compensation the borrower expects to receive. (If compensation is expected, an appraisal will be required.)

  5. A complete survey showing the current property lines with the location of the home clearly marked. This must also show the scope of work to be completed, in order to verify that no collateral is to be released.

  6. Any applicable sales contracts.

  7. If compensation is expected and your loan is not an FHA Streamline refinancing, please include a current appraisal dated in the past six months. The appraisal must show the property's value before and after any work to be done related to the requested easement. It must also show any expected changes to the property's marketability.

You can email electronic versions of these documents to subordination@mrcooper.com. You can also fax them to 972-353-6984 or mail to:

Mr. Cooper
Attn: Document Administration / Lien Holder Consent Request
PO BOX 619084
Dallas, TX 75261-9741

Once we've received your information and documents, your request will be reviewed according to investor guidelines.

Please allow up to thirty business days for processing your Lien Holder Consent request. If we approve your request, we will mail documentation to the requesting party for recording with the appropriate county. If you would like us to send it by express mail, please enclose the appropriate mailing/postage documents (with all addresses filled in) with the request package.

Incomplete or inaccurate Lien Holder Consent packages may delay or void the request. If a request is received and does not include all of the required items listed above, we will allow the requesting party thirty (30) days to submit the additional information. If the request still lacks the necessary information after thirty (30) days, the original requested documents will be returned to the requesting party.

Your CLTV (Combined Loan-to-Value-Ratio) after the easement is granted and any work is performed cannot exceed your CLTV before the easement. If your CLTV is lower after the easement, you will be required to apply proceeds of the transaction towards the loan's principal until the CLTV is equal to what it was before the easement. Our value in the property must be secured before processing a Lien Holder Consent request, and any reduction in value cannot exceed the principal payment received.

Please note that we cannot guarantee the approval of a Lien Holder Consent request, even if all required documents are submitted in a timely manner.

lot line adjustment requests


A Lot Line Adjustment is when the boundaries of a property are officially changed. Common situations where lot lines are adjusted include merging parcels of land or adding land to existing parcels.

If you would like to request a Lot Line Adjustment, your loan must be current with no payments made more than 30 days late over the past twelve months. Additionally, at least twelve months must have passed since your current loan's origination.

Please send us the following items to begin your Lot Line Adjustment Request:


  1. A money order or cashier's check for $250.00 payable to Mr. Cooper. (This will be returned if your request is denied.)

  2. If the agreement you seek requires Mr. Cooper to speak to a 3rd party working on your behalf, please submit a signed statement (including your loan number) authorizing us to do so. This must be submitted prior to processing your request.

  3. A letter detailing the reason for the request, scope of any work to be completed after the request is approved, and any expected changes in the future marketability of the land.

  4. A survey showing any land being added to the collateral (property). This must clearly indicate the current property lines and location of the home. We will forward these to the investor (such as Fannie Mae or Freddie Mac, depending on your loan). The investor will review these documents and other relevant information, and either approve or deny the Lot Line Adjustment request. We will inform you of their decision at this point. If the investor approves the Lot Line Adjustment, please supply us with the following additional confirmations:

  5. Confirmation that the existing American Land Title Association (ALTA) policy has been updated with an endorsement insuring the additional land. (A preliminary Title Report is acceptable until the final ALTA policy is confirmed.)

  6. Confirmation that the parcel's tax status is updated in accordance with the adjustment. (A projection of the expected tax parcel is acceptable until the final confirmation is available.)

  7. The parcel's new legal description, to be changed on the Mortgage/Deed of Trust.

  8. A prepared Lien Holder Consent / Lien Holder Authorization Form, and a Modification and Supplement to the Deed Of Trust. Your attorney and/or title company should be able to help you with the preparation of these documents.

Upon receipt of these, we will review your entire request package and forward you the Lien Holder Consent / Authorization form, plus the Modification And Supplement To The Deed Of Trust document.

You will need to have these documents executed, notarized and recorded to finalize the Lot Line Adjustment.

Please note that Mr. Cooper does not prepare Lot Line Adjustment documents. Your attorney and/or title company should be able to help you with the preparation of these documents.

You can email electronic versions of all documents to subordination@mrcooper.com. You can also fax them to 972-353-6984 or mail to:

Mr. Cooper
Attn: Document Administration / Partial Release Request
PO BOX 619084
Dallas, TX 75261-9741

If items 1-4 above are received and do not include all of the required information, we will allow an additional thirty (30) days for submission of the missing information. If all required information is not received within the additional 30 days, the request will be denied and the original request documents will be returned to the requesting party.

Please allow up to thirty business days from receipt of your complete initial paperwork for the processing of your request.

If the request is approved by the investor and you receive a Letter of Intent from us, you have six months from the date on the letter to complete the rest of the Lot Line Adjustment process.

When your Lot Line Documents are prepared, they will be mailed back to the requesting party for recording with the appropriate county. If you would like them sent by express mail, please enclose the appropriate mailing/postage documents (with all addresses filled in) with your initial submission.

Note that many of the forms on this page require Adobe Reader software to view and print. You can get the software for free here.