Estate planning at Cenlar
How to protect 1 Cenlar accounts — file death claims
Brand change
On February 11, 2026, Pennymac Financial Services announced a definitive agreement to acquire Cenlar's subservicing business (up to $740 billion in unpaid principal balance across roughly 2 million loans). The transaction is expected to close in the second half of 2026, subject to regulatory approvals; Cenlar surrenders its bank charter concurrently with closing, and the subserviced loans move onto Pennymac's servicing platform.
Cenlar is now part of PennyMac. The procedures below reflect Cenlar's accounts during the transition. View the PennyMac estate planning page.
Cenlar Homeowner Support (loan servicing)
Cenlar FSB, 425 Phillips Blvd., Ewing, NJ 08618. Because loans are subserviced under a private label, the servicing phone number and correspondence address printed on the monthly statement may differ from these corporate contacts and should be used when they appear. Homeowners manage the loan and use secure messaging at loanadministration.com. Cenlar's published homeowner line is 1-800-2Cenlar (1-800-223-6527); it does not publish customer-service hours or a separate estate/deceased-account line on its contact page.
Cenlar Homeowner Support (loan servicing)
Cenlar FSB, 425 Phillips Blvd., Ewing, NJ 08618. Because loans are subserviced under a private label, the servicing phone number and correspondence address printed on the monthly statement may differ from these corporate contacts and should be used when they appear. Homeowners manage the loan and use secure messaging at loanadministration.com. Cenlar's published homeowner line is 1-800-2Cenlar (1-800-223-6527); it does not publish customer-service hours or a separate estate/deceased-account line on its contact page.
Cenlar Homeowner Support (loan servicing)
Cenlar FSB, 425 Phillips Blvd., Ewing, NJ 08618. Because loans are subserviced under a private label, the servicing phone number and correspondence address printed on the monthly statement may differ from these corporate contacts and should be used when they appear. Homeowners manage the loan and use secure messaging at loanadministration.com. Cenlar's published homeowner line is 1-800-2Cenlar (1-800-223-6527); it does not publish customer-service hours or a separate estate/deceased-account line on its contact page.
When a borrower at Cenlar dies, the loan does not simply disappear. The executor contacts Cenlar to establish authority, learn the payoff amount, and choose how to handle the balance under the servicer's procedures and applicable law.
There are two sides to estate planning at Cenlar: setting things up while you're alive, and the process survivors follow after a death.
Preparing your estate
Beneficiaries and trust funding
How to review 1 account types at Cenlar.
View details →When someone dies
Death claim process
6-step process, 5 required documents, and contact information for survivors.
View details →Frequently asked questions
Cenlar subservices loans under the originating lender's private label, so its name often does not appear on the statement. If the loan is managed at loanadministration.com or through the Cenlar Mobile app, Cenlar is the servicer even when a different lender's brand is shown. Check the monthly statement or coupon for the servicing phone number and correspondence address and use those when they appear, because a private-label loan may route to a lender-specific line rather than the general Cenlar number.
A successor in interest is someone who received an ownership interest in the mortgaged home — through inheritance, a divorce decree, or a living trust — but was not an original borrower on the loan. Under the Consumer Financial Protection Bureau's Regulation X (12 CFR 1024.30-1024.41), the servicer must recognize that status once the person documents ownership and identity, which lets them receive loan information, make payments, and apply to assume the loan. A successor in interest who did not sign the note is generally not personally liable for the debt, though the home can still be foreclosed if payments stop.
Sources
Data sourced from Cenlar primary sources (3 pages reviewed). How we research.
Cenlar Homeowner Support (loan servicing)
Cenlar FSB, 425 Phillips Blvd., Ewing, NJ 08618. Because loans are subserviced under a private label, the servicing phone number and correspondence address printed on the monthly statement may differ from these corporate contacts and should be used when they appear. Homeowners manage the loan and use secure messaging at loanadministration.com. Cenlar's published homeowner line is 1-800-2Cenlar (1-800-223-6527); it does not publish customer-service hours or a separate estate/deceased-account line on its contact page.
Cenlar Homeowner Support (loan servicing)
Cenlar FSB, 425 Phillips Blvd., Ewing, NJ 08618. Because loans are subserviced under a private label, the servicing phone number and correspondence address printed on the monthly statement may differ from these corporate contacts and should be used when they appear. Homeowners manage the loan and use secure messaging at loanadministration.com. Cenlar's published homeowner line is 1-800-2Cenlar (1-800-223-6527); it does not publish customer-service hours or a separate estate/deceased-account line on its contact page.
Cenlar Homeowner Support (loan servicing)
Cenlar FSB, 425 Phillips Blvd., Ewing, NJ 08618. Because loans are subserviced under a private label, the servicing phone number and correspondence address printed on the monthly statement may differ from these corporate contacts and should be used when they appear. Homeowners manage the loan and use secure messaging at loanadministration.com. Cenlar's published homeowner line is 1-800-2Cenlar (1-800-223-6527); it does not publish customer-service hours or a separate estate/deceased-account line on its contact page.
Estate planning articles
Learn how to protect your Cenlar accounts and other assets with trusts, beneficiary designations, and estate planning documents.
