Find the mortgage servicer’s name on the monthly statement or coupon book. Call the customer service number on the statement.
Have ready:
Loan account number
Your loved one’s Social Security number
Proof of your relationship
Death certificate — they will likely request a copy
The mortgage does not disappear when someone dies. It must continue to be paid or the home could go into foreclosure.
Federal law protects you. Under the Garn-St. Germain Act, the lender cannot call the loan due simply because of the death. If you are a surviving spouse or heir who intends to keep the home you have the right to take over the mortgage payments.
Do not stop making payments while you sort out the estate. Continue paying to protect the home. Notify the servicer as soon as possible so they can note the account and direct you to their bereavement or estate department.
You don’t need to follow this word for word. It’s a guide — not a performance.
Ask: “What documentation do you need from me?” “Can mortgage payments continue to be made from the estate account while we settle things?” “If I am the surviving spouse and plan to keep the home, what is the process for transferring the loan into my name?” “Is there a bereavement or estate department I should be working with directly?” “Will you send me confirmation of this call and the next steps in writing?”
Date and time of call
Name of representative
Reference number
Documents requested
Bereavement department direct contact
Whether payments should continue and from which account
Next steps for loan transfer if applicable