Two things trip people up. First, the all-signatures rule: if two names are on the loan, both must sign the request or it gets bounced weeks later. Second, Mr. Cooper distinguishes sharply between the free 80%-of-original-value cancellation and current-value ("early") cancellation, which it treats as a separate workflow requiring the BPO. Say explicitly which one you're requesting — our letter generator words this correctly for each path.
Verify your numbers first with the calculator — Mr. Cooper won't refund your BPO fee if the valuation comes in short. Then send the signed letter (certified mail with return receipt, or message center upload with a screenshot). If a BPO is required, Mr. Cooper will tell you the fee and how to remit it. The written determination is due within 30 days of the later of your request or the completed valuation.
Day 31 without an answer: call, reference your certified-mail receipt date, and ask for the PMI deletion department. Get a reference number. If a second written follow-up goes nowhere, file a CFPB complaint — Mr. Cooper has a regulatory history that makes it responsive to tracked complaints. The Complete Kit pre-drafts the complaint narrative from your timeline.
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