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    The Mortgage Gallery

    5.0 (1 review)
    Closed 9:00 am - 5:00 pm

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    Mr.Cooper Mortgage

    Mr.Cooper Mortgage

    (9 reviews)

    This company is run by scumbags. I tried to sell my home and Mr. Cooper Mortgage sabotaged the…read moresale by "losing" paperwork, delaying action until the buyers got frustrated and walked away, and lied to my realtor on numerous occasions. I am a veteran with 100% disability rating for PTSD and dealing with this company has been nothing but emotional trauma for the past two years until my wife and I gave up and let them foreclose on the house which was their intention all along. There's a reason Mr. Cooper Mortgage mutes all replies to its social media accounts. How this company is legally allowed to do business anywhere is beyond my comprehension.

    Complete liars! I would never have chosen this mortgage company if I had read the reviews first…read more Anyway our mortgage company sold two of our mortgagees to them last last year (our home and a rental we own). The transfer process went pretty smoothly so I thought this was going to be a pleasant surprise. We were actually in the process of considering a HELOC to pay off some other debt so when they reached out with a pre approved offer, I bit and decided to check further into that. Well Richard Galindo and I went through the motions over the phone to see what their offer was and if that was in our best interest since we were just barely in the process of considering this when contacted. Probably about 30ish minutes on the phone and me answering questions about assets and income, the standard stuff, and ultimately didn't happen. In this conversation he very clearly explained the meaning and said he was doing a "soft credit pull" "which wouldn't show up on our credit", so I verbally authorized. About a month goes by and with a little research we decide our credit union was the preferred place to get a HELOC and begin the process there. Right off the bat I am asked "why did Mr Cooper pull your credit last month". Since this isn't my forte, I immediately recalled the explanation about it not appearing and shared that with our CU. I get an email solicitation from the same Richard Galindo from Mr Cooper. I responded to this email by asking why did he so emphatically state and explain the soft pull only to do differently. He responded that I was mistaken and that was probably because I could see the soft pull on my credit but others could not. I responded again by saying "then why did my CU just ask me why Mr Cooper had inquired on our credit lasts month?". For someone who typically responds immediately, he had no response whatsoever. I waited a week or so, reached out again in case my email wasn't seen or something and was again not responded to. So my next email went to the general Nr Cooper customer service inbox with Richard copied. That got his attention and he responded that his boss had listened to the recorded contents of our call and he had said nothing about a soft pull and I had authorized the other type. He included about 10 lines of our transcript where I answered in the affirmative, with three minutes missing between his question and my affirmative response...out of a 30ish minute call. I responded to both Richard and his "boss" whos information appeared in the transcript along with him stating "you're covered" in his response to Richard along with the selective parts of our conversation with HUGE gaps in the conversation and about 1% of the convo highlighted by asking him to send the ENTIRE transcript because this is a false portrayal of our conversation and I certainly didn't just make up the terminology "soft pull" or the meaning behind that. Remember Richard reexplained "soft pull" in a prior email with me? Well back then he doubled down and reexplained in writing until I proved him wring by telling him a lender is who asked me about it so it was definitely visible on our credit. Now he says he doesn't really recall our conversation and just explained soft pull because he took my word for that terminology but it didn't apply here he had since learned. If this is his job day in and day out, wouldn't this be the case all the time and not subject to change from one conversation to another? After me asking for the WHOLE transcript because I 100% know it would prove what I'm saying without a doubt, guess what? Again no response from either...because they didn't expect me to notice the time stamps, I suppose. Silence for 10 days so far since I asked for that. After this behavior, I looked at their Facebook page where they have turned off comments after hundreds have shared stories of shady practices. HUNDREDS! Everything is negative...EVERYTHING. Any company with any customer savvy knows you don't delete negative reviews, turn off The ability to review or remove comments because it is the same as admitting shady dealing and bad practices. About sums them up. They are crooks, liars and totally unprofessional. I would LOVE to be able to post screenshots.

    The Mortgage Gallery - mortgagelenders - Updated May 2026

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