Some government-backed programs make it easier for borrowers with lower credit scores to qualify for mortgages. You may hear FHA loans mentioned. These are loans backed by the Federal Housing Administration.

Online Payments. You can also make a one-time payment through your online account. Check out our Smart Calendar for important information about your due date, grace period, and more. Here’s a video on how it works and where to find it:

General account help, transfer of ownership, deceased borrower, credit corrections, divorce.

Get started by signing in. If you didn’t already create an online account, all you need is your loan number, Social Security Number, and property ZIP code. Download our secure mobile app in the App Store or Google Play to manage your account anytime, anywhere.

If you’ve already found the right home, a Verified Approval is what you’ll want! Learn how much home you can qualify to purchase by getting pre-approved for a mortgage loan.

Credit Corrections. Here’s what you need to know about credit corrections: Mr. Cooper does not complete “goodwill” credit suppression/corrections. Mr. Cooper will not change or suppress any validly reported delinquency. Credit repair companies cannot force a creditor to change vali...

Setting up AutoPay is quick, easy, and free. First, select the payment frequency —Monthly or Biweekly, if eligible. Monthly: This option maintains the original payoff timeframe and loan terms. Biweekly: This option helps reduce the overall interest paid on the loan and accelerates th...

Check Your Credit Score. Lenders use your credit score as one factor when determining your loan amount and interest rate. Most use credit reports from the three primary credit bureaus (Experian, Transunion, and Equifax) to evaluate your credit score.

Breakdown. Here are the key elements included in your monthly statement, along with a visual guide to help you locate them: 1. Statement Information. This is your basic information, like the date your statement was generated, loan number, amount due, and payment due date. 2. Explanat...

One of the most popular scoring models is the FICO ® score, which uses a five-category scoring model that weighs payment history (35%) amounts owed (30%), length of credit history (15%), new credit (10%), and credit mix (10%). Read more about what makes up your credit score.