Notification of a deceased borrower

How do I notify Mr. Cooper of a deceased borrower?


What do I need to do?

After a borrower on the loan has passed away, you will need to notify us using one of the 4 methods:

  • By Phone: call our Customer Service Department at 888-480-2432, Monday through Thursday from 7 a.m. to 8 p.m. (CT), Friday from 7 a.m. to 6 p.m. (CT) and Saturday from 8 a.m. to 2 p.m. (CT).
  • By email: researchincoming@mrcooper.com
  • By Fax: (972) 459-1611
  • By Mail: PO Box 612488 Dallas, TX 75261-2488

What documents does Mr. Cooper need?

The following are a list of some documents you may need to notify Mr. Cooper of a deceased borrower and if you have any interest in the property.

  • Death Certificate - This document is used to validate the death of the borrower and make the necessary updates to the account.
  • Evidence of Family Relationship – Examples of these documents could include a marriage certificate, birth certificate, etc. and are used to validate your relationship to the borrower.
  • Will - This document is only needed if there is a will available and is used to show that you have ownership interest or that you are an Executor or Administrator of the borrower’s estate.
  • Probate Proceeding Order - This document is only needed if there was a probate hearing. It should show that you have ownership interest or that you are an Executor or Administrator of the borrower’s estate. It must be signed by the judge, showing heirs.
  • Court Pleadings/Orders – Examples of these types of documents could include: Letters of Testamentary, Letter of Personal Representative, Letter of Fiduciary, Letter of Administration, etc. It should show that you have ownership interest or that you are an Executor or Administrator of the borrower’s estate. It must be filed by the court or signed by the judge providing you with the necessary authority.
  • Deed - This document is used to validate that you are an owner of the property.
  • Intestate Heirs Affidavit – This document can be used to establish legally who the heirs are, in cases where there is no will. It should outline what the property is and who gains ownership.
  • Recorded Affidavit of Heir ship – This document is used to validate your ownership interest in the property. This document is only needed as applicable by State Law and must be recorded.
  • Recorded Small Estate Affidavit - This document is used in cases of small estates (limits vary per State Law) as an alternative to formal probate court and must be recorded.
  • Recorded Life Estate document - This document is used to validate your current ownership interest in the property and must be recorded.
*Please Note: These are documents that we may need, but you should send us any additional documents related to this transfer.

Why does Mr. Cooper need these documents?

A death certificate is needed so we can update our records. In addition to the death certificate, in order to release any information on the loan to you, we must confirm that you are a successor in interest to the borrower or the Executor of the Estate. In order to confirm your status, we require one or more of the documents listed here.

How soon should I send the documents?

Time is of the essence to provide you proper access to the account and be able to provide you options that are available to you.