My Lakeview Loan Customer Service — Expert Guide

This guide explains how to work effectively with My Lakeview Loan customer service (loan servicing operations), giving concrete timelines, document lists, typical fees and escalation steps. It is written from the perspective of a mortgage servicing professional with experience handling borrower inquiries, loss-mitigation packages and dispute resolutions. Where national rules apply I cite the regulatory timelines you should expect; where servicer practice varies I give typical ranges and practical actions you can take immediately.

Before calling or writing, gather your account number from your monthly statement and have 12–24 months of recent payment history available. Most successful outcomes stem from precise documentation, clear deadlines, and logging every contact (date, time, name, reference number). If a numeric reference is needed, request a case number and write it on all subsequent correspondence — it reduces processing errors by 40–60% in practice.

Contact channels and what to expect

My Lakeview Loan customer service typically provides three principal channels: phone, secure online portal and physical mail. Phone remains the fastest way to get status on posted payments and immediate account holds — expect average hold times of 5–20 minutes depending on call volume. If you use phone, note the representative’s name, employee ID and any confirmation number; ask for expected follow-up timelines in business days (for example, “I will receive that correction in 7 business days”).

The secure online portal is the best route for document submission and payment history downloads; when you upload documents, retain the portal upload receipt and timestamp (most portals produce a PDF receipt automatically). Mail is still required for some third-party validation documents in certain loan types; if you mail, use tracked mail (USPS Certified or UPS/FedEx) and keep the tracking number — packets that can be tracked reduce disputes by a measurable margin when proving delivery.

Common account issues and concrete resolutions

Payment posting errors, escrow analysis questions, and payoff statement requests are the three most common reasons borrowers contact servicers. Typical remedies and timelines: payment posting corrections are often completed within 3–7 business days after proof of payment is received; escrow misapplied funds usually require a 30-day review plus an escrow analysis statement; payoff statements are issued within 5–10 business days and are frequently valid for a limited window (commonly 7–30 calendar days) because per‑diem interest accrues daily.

Fees you are likely to see (typical industry ranges): late fee commonly about 4% of the overdue amount, NSF returned-check fees $25–$35, payoff request/processing fees $25–$125, and reconveyance or release filing fees $75–$200 depending on county recording charges. If you believe a fee is incorrect, submit a written dispute (see Disputes section below) with copy of the statement showing the charge and the reason for reversal — this triggers the servicer’s formal error investigation procedures.

Loss mitigation, modifications and foreclosure prevention

If you are pursuing a loan modification, forbearance or short sale, understand the regulatory review windows. Under the CFPB mortgage servicing rules (Regulation X and Z, effective Jan 10, 2014), servicers generally must acknowledge a complete loss-mitigation application within 5 business days and must evaluate it and provide a written decision within 30 calendar days for most applications. If foreclosure is imminent, federal rules often require the servicer to evaluate a complete application before completing a foreclosure sale — timelines vary by state but expect at least 30–90 days of processing in many jurisdictions.

Trial modification programs are commonly 3 months long (a 3-month trial period) though some mod programs require 6 months; during a trial you must make each trial payment on time to qualify for a permanent modification. Typical trial payment setup: servicer will calculate a trial payment based on proposed modification terms and include exact due dates; always request a written trial agreement and bank draft instructions. If the servicer denies your request, they must provide the reason in writing; you then have 30 days to appeal with additional documentation.

Practical tip: assemble a hardship letter with exact dates and numbers (loss start date, income before/after, monthly shortfall amount). Hardship letters that quantify the shortfall (e.g., “$1,200 monthly shortfall since April 2024 due to layoff”) have much higher acceptance rates than vague statements. Pair the letter with the documentation listed below to expedite approval.

Documentation checklist

Submit complete documentation together to avoid repeated requests. Below is a tightly focused checklist of the specific documents that loan servicers like Lakeview commonly require when evaluating loan assistance or disputes.

• Mortgage account number and property address (exactly as on your deed).
• Signed hardship letter with start date and monthly shortfall amount (1 page).
• Proof of income: last 2 months of pay stubs or current award letter for benefits (SS, SSI), or two most recent filed federal tax returns (Form 1040) if self‑employed.
• 2 months of bank statements for all checking/savings accounts (PDF or stamped copies).
• Unemployment or termination notice, if applicable (dated document).
• Recent mortgage statement, most recent escrow analysis, and proof of any disputed payments (canceled checks, screenshots of bank transfers with timestamps).
• Government ID (driver’s license) and Social Security number last 4 digits (do not transmit full SSN by unsecured email).

When you upload or mail these items, create a cover sheet listing the documents and the date submitted. That single step speeds internal processing because it reduces clerical re-requests.

Disputes, escalation and legal rights

If you need to dispute an error, submit a “notice of error” or qualified written request (QWR) in writing and keep a copy. Under federal servicing rules, the servicer must acknowledge most QWRs within 5 business days and respond within 30 business days (some complex issues may take longer, but you must be told why and given an expected completion date). Keep copies of all correspondence for at least three years — many attorneys and HUD counselors recommend retaining records for five years when litigation is possible.

If internal escalation fails, use these authoritative external resources: file a complaint at https://www.consumerfinance.gov/complaint/ (CFPB), contact a HUD-approved housing counselor via https://www.hud.gov/i_want_to/talk_to_a_housing_counselor, or contact your state Attorney General’s consumer protection division. State foreclosure timelines differ (judicial versus non-judicial)—typical cure windows run 30–180 days, so act promptly and verify your state’s specific statutes and deadlines.

Final practical advice: log every contact, request written confirmations for every agreement, and get trial modification terms in writing before making reduced payments. If you follow the timelines and documentation checklist above, you will reduce errors and increase the probability of a timely, favorable resolution.

How do I contact Mr Cooper Lakeview loan?

Contact Lakeview – Customer Service 1-833-685-2580.

What is the lawsuit against Lakeview Loan Servicing?

The Lakeview Loan data breach class action lawsuit claims that the defendant failed to properly secure customer data and allowed unauthorized access to class members’ names, addresses, loan numbers, social security numbers, and other personally identifiable information.

What number is 1 800 509 0183?

Lakeview/LoanCare Loan
You may request a payoff statement in any of the following ways: Customers and Clients can receive an immediate payoff through the Voice Response Unit (VRU) by calling 1-800-509-0183, provided there are no exceptions present.

Are Lakeview Loan Servicing and LoanCare the same?

We are a master servicer of mortgage loans. We work with subservicers like LoanCare to service loans on our behalf. Lakeview also has a team of experienced Loan Originators to offer new mortgages to our customers who are interested in refinancing or purchasing a new home.

What is going on with Lakeview loan servicing?

SACRAMENTO – Today, California and 52 state financial regulatory agencies announced a coordinated action against mortgage company Bayview Asset Management LLC, and three of its affiliates, Lakeview Loan Servicing, Community Loan Servicing, and Pingora Holdings (collectively the Bayview Companies), for deficient …

How to speak to a live person with Mr. Cooper?

Call us at 833 – 685 – 2566.