What to do when a Carrington Mortgage account holder dies
Contact Carrington Mortgage — 5-step process, 6 required documents, and carrington does not publish a fixed timeline for a deceased-borrower account. notify customer service and submit the death certificate as soon as possible; documenting successor-in-interest status and completing an assumption or refinance can take several weeks to a few months depending on probate and the credit and income review.
Carrington Customer Service Department / Loan Servicing Customer Contact Center
Written inquiries, Notices of Error, and Qualified Written Requests (QWR): Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074 (fax 1-800-486-5134). Third Party Authorization: Carrington Mortgage Services, LLC, Attn: Customer Research Department, P.O. Box 5001, Westfield, IN 46074. Include the loan number on all pages of correspondence.
Carrington Customer Service Department / Loan Servicing Customer Contact Center
Written inquiries, Notices of Error, and Qualified Written Requests (QWR): Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074 (fax 1-800-486-5134). Third Party Authorization: Carrington Mortgage Services, LLC, Attn: Customer Research Department, P.O. Box 5001, Westfield, IN 46074. Include the loan number on all pages of correspondence.
Carrington Customer Service Department / Loan Servicing Customer Contact Center
Written inquiries, Notices of Error, and Qualified Written Requests (QWR): Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074 (fax 1-800-486-5134). Third Party Authorization: Carrington Mortgage Services, LLC, Attn: Customer Research Department, P.O. Box 5001, Westfield, IN 46074. Include the loan number on all pages of correspondence.
When an account holder at Carrington Mortgage dies, the executor contacts the estate services team to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Carrington Mortgage. A certified death certificate is the primary document required to start any claim.
Death claim process
Follow these steps to file a death claim with Carrington Mortgage:
Filing a claim
- A co-borrower on the loan remains responsible for the mortgage and can continue to manage the account and make payments as usual.
- The executor or administrator of the estate can use estate assets to keep the mortgage current during probate; Letters Testamentary or Letters of Administration establish authority to act for the estate.
- An heir or surviving family member who receives an ownership interest (by will, trust, divorce decree, or intestate succession) can ask to be recognized as a "successor in interest" once ownership and identity are documented — a status the servicer must recognize under CFPB Regulation X (12 CFR 1024.30-1024.41).
- Continue the existing payments. Under the Garn-St. Germain Act (12 U.S.C. 1701j-3(d)(5)), transfer to a relative who occupies the home does not trigger the due-on-sale clause, so an inheriting relative can generally keep making the current payments without paying the full balance immediately.
- Assume the mortgage. Carrington states that in cases of property transfer or inheritance where a sale is not initiated, the assumption process may be simpler; call the Loan Servicing Customer Contact Center at 800-561-4567 for options specific to the loan. An assumption to become the primary borrower involves a review of credit and income.
- Refinance the loan into the successor's own name, subject to qualifying on credit, income, and assets.
- Sell the home; the outstanding balance is paid from the sale proceeds at closing and any remainder passes to the heirs.
Required Documents
- Copy of the death certificate for the deceased borrower
- Recorded deed, will, trust, or probate court documents showing the property was transferred to the successor in interest
- Letters Testamentary or Letters of Administration, where an executor or administrator is acting for the estate
- Copy of a valid government-issued photo ID for the successor in interest
- Current phone number and mailing address for the successor in interest
- The mortgage loan number
What to know at this institution
A mortgage is tied to the home, not the person; the home is the collateral. Carrington does not publish a dedicated deceased-borrower or successor-in-interest page — its inheritance guidance appears inside the general loan-assumption article, which directs an heir taking a property by transfer or inheritance (with no sale) to the Loan Servicing Customer Contact Center at 800-561-4567. The estate or successor therefore works through the general servicing channels: the customer service line, written notice to the Customer Service / QWR address (P.O. Box 5001, Westfield, IN 46074), and Carrington's Third Party Authorization for a non-borrower to discuss the loan. The successor-in-interest recognition and the Garn-St. Germain due-on-sale exemption on death are federal requirements (CFPB Regulation X, 12 CFR 1024.30-1024.41; 12 U.S.C. 1701j-3(d)(5)) that bind Carrington as servicer, not process steps Carrington itself publishes. Because Carrington accepts a written notice plus the death certificate and estate documents and does not publish a claim form, letterOfInstruction is user-drafted.
Prepare your letter of instruction to Carrington Mortgage
Carrington Mortgage accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Carrington Mortgage's verified claims department, with the documents it requires enclosed.
Build your letter of instructionProcessing timelines at Carrington Mortgage: Carrington does not publish a fixed timeline for a deceased-borrower account. Notify customer service and submit the death certificate as soon as possible; documenting successor-in-interest status and completing an assumption or refinance can take several weeks to a few months depending on probate and the credit and income review. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Documentation required by Carrington Mortgage includes Copy of the death certificate for the deceased borrower, Recorded deed, will, trust, or probate court documents showing the property was transferred to the successor in interest, and Letters Testamentary or Letters of Administration, where an executor or administrator is acting for the estate, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
The mortgage is a debt secured by the home and does not disappear at death. Notify Carrington as soon as possible by calling the Customer Service Department at 800-561-4567 with the loan number, and send a copy of the death certificate in writing. A co-borrower stays responsible for the loan, the estate can keep it current during probate, and an heir who inherits the home can ask to be recognized as a successor in interest, then continue the payments, assume the loan, refinance, or sell the home.
Call the Carrington Customer Service Department (also called the Loan Servicing Customer Contact Center) at 800-561-4567, Monday through Friday 8:00 a.m. to 9:00 p.m. Eastern Time, with the loan number ready, and send a copy of the death certificate in writing to Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074. Carrington does not publish a dedicated deceased-borrower form, so include the loan number and the deceased borrower's name in a written notice. Send copies rather than originals.
Carrington does not publish a separate estate, bereavement, or successor-in-interest phone line or claim form. Its guidance for an heir taking a property by inheritance appears within its loan-assumption material, which directs the heir to the Loan Servicing Customer Contact Center at 800-561-4567. The estate representative or successor works through Carrington's general servicing channels and written correspondence to the Customer Service address, P.O. Box 5001, Westfield, IN 46074.
Often yes. Most mortgages contain a due-on-sale clause that lets the lender demand the full balance when the property transfers, but the federal Garn-St. Germain Act (12 U.S.C. 1701j-3(d)(5)) limits enforcement of that clause after a borrower's death: a relative who inherits and occupies the home can generally keep making the existing monthly payments. Carrington states that in cases of property transfer or inheritance where a sale is not initiated, the assumption process may be simpler; call the Loan Servicing Customer Contact Center at 800-561-4567 for options specific to the loan.
No. Mortgage debt is not discharged at death and does not pass by beneficiary designation. It is repaid from the estate, kept current by a co-borrower or heir, assumed, refinanced, or paid off from the proceeds of a sale. If no one keeps the loan current, Carrington can pursue foreclosure to recover the debt from the home. A successor in interest can ask about mortgage-assistance options to avoid foreclosure while ownership is documented or the home is listed for sale.
When the deceased had multiple Carrington Mortgage mortgage loans, some may need separate claims while others can be handled together. The estate services team can clarify what's needed for each account type.
Sources
Data sourced from Carrington Mortgage primary sources (3 pages reviewed). How we research.
Carrington Customer Service Department / Loan Servicing Customer Contact Center
Written inquiries, Notices of Error, and Qualified Written Requests (QWR): Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074 (fax 1-800-486-5134). Third Party Authorization: Carrington Mortgage Services, LLC, Attn: Customer Research Department, P.O. Box 5001, Westfield, IN 46074. Include the loan number on all pages of correspondence.
Carrington Customer Service Department / Loan Servicing Customer Contact Center
Written inquiries, Notices of Error, and Qualified Written Requests (QWR): Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074 (fax 1-800-486-5134). Third Party Authorization: Carrington Mortgage Services, LLC, Attn: Customer Research Department, P.O. Box 5001, Westfield, IN 46074. Include the loan number on all pages of correspondence.
Carrington Customer Service Department / Loan Servicing Customer Contact Center
Written inquiries, Notices of Error, and Qualified Written Requests (QWR): Carrington Mortgage Services, LLC, Attention: Customer Service, P.O. Box 5001, Westfield, IN 46074 (fax 1-800-486-5134). Third Party Authorization: Carrington Mortgage Services, LLC, Attn: Customer Research Department, P.O. Box 5001, Westfield, IN 46074. Include the loan number on all pages of correspondence.
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