What Happens to Your Mortgage Servicers Account When You Die
Quick Facts
Notification
Notify servicer with death cert
Payments
Continue during estate process
Spouse
Assumption or refinance options
Step-by-Step Guide
Notify mortgage servicer immediately
Contact the mortgage servicer with a death certificate. Mr. Cooper: 1-888-480-2432, Rocket Mortgage: 1-800-508-0944, LoanDepot: 1-888-983-3240, PHH: 1-800-449-8767.
Continue mortgage payments
Continue making mortgage payments during the estate process to avoid default and foreclosure proceedings.
Explore surviving spouse options
Surviving spouses may assume the mortgage, refinance, or sell. Options vary by servicer and loan type.
Document Now Checklist
- Mortgage servicer name and phone
- Loan account number
- Monthly payment amount
- Remaining balance
Save this to your vault
When you document your accounts in Passed Plan, your family gets a personalized action plan — with only the guides that apply to them, in the right order, with your notes attached.
Start your vault — free for 30 daysLast verified: June 2026. Platform policies may change. Verify current procedures directly with Mortgage Servicers. This guide is for informational purposes only and does not constitute legal advice.
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