What to do when a Flagstar Bank account holder dies
Contact Flagstar Bank — 9-step process, 7 required documents, and varies based on documentation completeness and account type
Flagstar Bank
Subsidiary of Self (publicly traded as FLG, formerly Flagstar Financial, Inc.)
flagstar.com →
Customer Service
Phone1-888-248-6423
Mailing Address
Flagstar Bank, 8950 Cypress Waters Blvd., Coppell, TX 75019
Mortgage Support
Mortgage/Loan Servicing
Flagstar Private Bank Concierge
International/Outside US
WebsiteLearn more →
Customer Service
Phone1-888-248-6423
Mailing Address
Flagstar Bank, 8950 Cypress Waters Blvd., Coppell, TX 75019
Mortgage Support
Mortgage/Loan Servicing
Flagstar Private Bank Concierge
International/Outside US
WebsiteLearn more →
Death Claims / Account Services
Phone1-888-248-6423
Toll-Free1-888-248-6423
Mailing Address
Flagstar Bank, Attn: Account Services, 8950 Cypress Waters Blvd., Coppell, TX 75019
Mortgage Deceased Customer Line
Verified Feb 2026
When a Flagstar Bank account holder passes away, the next step depends on how the accounts were set up. Accounts with beneficiary designations or trust ownership transfer outside of probate. Accounts titled solely in the deceased's name require the estate's legal representative to work with Flagstar Bank's Death Claims / Account Services (1-888-248-6423) to access and distribute the funds.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Flagstar Bank. A certified death certificate is the primary document required to start any claim.
Deposit, investment & retirement accounts
Here is the step-by-step death claim process at Flagstar Bank:
Filing a claim
1Contact Flagstar Bank at 888-248-6423 to notify of the account holder's death
2Bank may freeze the account balance and refuse pending transactions upon notification
3Provide a certified death certificate to validate the death
4Provide documentation to confirm your status as beneficiary, successor in interest, or executor
5For POD accounts: beneficiary presents death certificate and valid government-issued ID to claim funds
6For non-POD accounts: provide Letters Testamentary or Letters of Administration from the probate court
7Evidence of family relationship may be required (marriage certificate, birth certificate)
8Estate Tax Waiver may be required depending on the state
9Bank verifies all documentation before releasing funds
Required Documents
- Certified death certificate
- Government-issued ID for beneficiary or estate representative
- Letters Testamentary or Letters of Administration (if no POD designation)
- Evidence of family relationship (marriage certificate, birth certificate)
- Will or Last Testament (if available)
- Estate Tax Waiver (if applicable by state)
- Intestate Heirs Affidavit (if no will exists)
After receiving notice of death, Flagstar may freeze the balance, refuse to post transactions, and reverse or return deposits. The bank is not required to release funds until they receive documents reasonably requested to verify death and establish authority. For mortgage accounts of deceased customers, call 833-755-2085 (Monday-Friday 7:00 AM - 8:00 PM CT) or visit myloansflagstar.com/help-center/account-help/deceased-customer.
Mortgage and home lending
Mortgages and home equity loans are liabilities, not assets. They do not have beneficiaries and cannot be retitled to a trust. When a borrower dies, the loan obligation transfers with the property to whoever inherits it. Under the federal Garn-St. Germain Act, the lender cannot accelerate the loan or call it due when the property transfers to a surviving spouse, child, or the borrower's revocable trust.
1Notify Flagstar of the borrower's death by calling the deceased customer support line at 1-833-755-2085
2Provide the deceased borrower's full legal name, Social Security number, and loan number
3Submit a certified copy of the death certificate
4Provide documentation confirming your status as a Successor in Interest or Executor of the Estate
5Acceptable documents include: a Will or Last Testament, a Probate Proceeding Order signed by a judge, court pleadings such as Letters Testamentary or Letters of Administration, or a recorded Life Estate Deed, Lady Bird Deed, or Transfer Upon Death Deed
6If there is only one borrower or both borrowers are deceased, a successor in interest may also fax the request and supporting documents to 1-866-580-4755
7Flagstar will review your documentation and confirm your status as a Successor in Interest
8Once confirmed, you will have access to loan information and can discuss options: continue making payments, apply for loss mitigation, assume the loan, refinance, or pay off the balance
9Continue making monthly mortgage payments during the review process to avoid default
Required Documents
- Certified copy of the death certificate
- Government-issued photo ID for the heir or personal representative
- One or more of the following to confirm successor status: Will or Last Testament, Probate Proceeding Order signed by a judge, Letters Testamentary or Letters of Administration, recorded Life Estate Deed or Lady Bird Deed, Transfer Upon Death Deed
- Marriage certificate (if surviving spouse)
- Trust document showing successor trustee or beneficiary (if applicable)
Under the federal Garn-St. Germain Depository Institutions Act (12 U.S.C. 1701j-3), Flagstar cannot enforce a due-on-sale clause when the property transfers to a surviving spouse, child, relative upon death, or the borrower's revocable living trust. Confirmed Successors in Interest are treated as borrowers under CFPB mortgage servicing rules and are entitled to account information and loss mitigation options. Loss Mitigation Department: Flagstar Bank, W-110-2, 5151 Corporate Drive, Troy, MI 48098. General banking customer service: 1-888-248-6423.
Processing timelines at Flagstar Bank: Varies based on documentation completeness and account type. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
Flagstar Bank requires several documents to process a claim, including Certified death certificate, Government-issued ID for beneficiary or estate representative, and Letters Testamentary or Letters of Administration (if no POD designation), and additional documentation depending on the account type. Certified copies are typically needed—photocopies are generally not accepted for death certificates or court documents.
Frequently asked questions
Visit a Flagstar Bank branch or call customer service at 888-248-6423. You will need to provide the name, address, and date of birth for each beneficiary. Complete a POD (Payable on Death) designation form to have your accounts pass directly to your named beneficiaries, bypassing probate. A separate form is required for each account.
POD (Payable on Death) beneficiary designations are available for Flagstar checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts. Retirement accounts such as Traditional IRAs and Roth IRAs use separate beneficiary designation forms.
If you have POD beneficiaries designated, the assets transfer directly to them upon presentation of a certified death certificate and valid government-issued ID. Without POD designations, accounts go through probate and require Letters Testamentary or Letters of Administration before funds can be released. An Estate Tax Waiver may also be required depending on the state.
Call Flagstar customer service at 888-248-6423. The bank may freeze the account and will require a certified death certificate and documentation confirming your status as a beneficiary, successor in interest, or executor before releasing any information or funds. For mortgage accounts of deceased customers, call 833-755-2085 or visit myloansflagstar.com.
For POD accounts: a certified death certificate and valid government-issued ID. For non-POD accounts: a certified death certificate, Letters Testamentary or Letters of Administration from probate court, evidence of family relationship (marriage or birth certificate), the will (if available), and a state Estate Tax Waiver if applicable. If there is no will, an Intestate Heirs Affidavit may be required.
Yes. POD (Payable on Death) beneficiary designations on Flagstar accounts take precedence over instructions in your will or trust. Accounts with valid POD designations pass directly to the named beneficiaries outside of probate, regardless of what your will states. Keep beneficiary designations updated whenever your circumstances change.
Flagstar Bank's Death Claims / Account Services can be reached by phone at 1-888-248-6423 for questions throughout the claims process.
If the deceased held multiple Flagstar Bank accounts, each may require a separate claim or have different documentation requirements. The Death Claims / Account Services can confirm which accounts require individual attention and which can be processed together.
Flagstar Bank
Subsidiary of Self (publicly traded as FLG, formerly Flagstar Financial, Inc.)
flagstar.com →Customer Service
Phone1-888-248-6423
Mailing Address
Flagstar Bank, 8950 Cypress Waters Blvd., Coppell, TX 75019
Mortgage Support
Mortgage/Loan Servicing
Flagstar Private Bank Concierge
International/Outside US
WebsiteLearn more →
Customer Service
Phone1-888-248-6423
Mailing Address
Flagstar Bank, 8950 Cypress Waters Blvd., Coppell, TX 75019
Mortgage Support
Mortgage/Loan Servicing
Flagstar Private Bank Concierge
International/Outside US
WebsiteLearn more →
Death Claims / Account Services
Phone1-888-248-6423
Toll-Free1-888-248-6423
Mailing Address
Flagstar Bank, Attn: Account Services, 8950 Cypress Waters Blvd., Coppell, TX 75019
Mortgage Deceased Customer Line
Verified Feb 2026
Tools for settling a Flagstar Bank estate
Calculators and checklists to help navigate estate settlement after a Flagstar Bank account holder passes away.
How Do I Settle an Estate?
Get a personalized checklist for settling an estate after someone passes away. Covers trust administration, probate, and intestate estates.
Get Checklist
How Much Does Probate Cost?
Estimate attorney fees, executor fees, court costs, and timeline for probating an estate in your state. See if the estate qualifies for simplified probate procedures.
Use Calculator
How Much Can an Executor Charge?
Calculate how much an executor (personal representative) can charge for administering an estate. See if your state has statutory fees or uses reasonable compensation.
Use Calculator
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need based on the assets and accounts you need to close. See state-specific ordering information.
Use Calculator
Do I Need Probate?
Answer a few questions to find out if an estate needs full probate, qualifies for simplified probate, or can avoid probate entirely with a small estate affidavit.
Check Now
Who Inherits Without a Will?
Find out who inherits your estate and how much they get if you die without a will. Based on your state's intestate succession laws.
Use Calculator