What to do when a Lakeview account holder dies
Report the death to Lakeview at 1-800-509-0183
Lakeview balances do not pass to anyone at death — they are settled. The executor reports the death to Lakeview (1-800-509-0183), gets the date-of-death balance in writing, and resolves it through the estate's creditor process.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Lakeview.
Death claim process
To file a claim after an account holder's death, here is what Lakeview requires:
Filing a claim
- LoanCare, the subservicer for most Lakeview loans: 800-509-0183
- M&T Bank: 800-724-2224
- Champion Mortgage: 833-685-2580
- ServiceMac: 844-478-2622
- Carrington Mortgage Services: 855-218-3690. Carrington now holds the loans Valon previously serviced, so a statement or bookmark that still says Valon points to the same loan.
- Where LoanCare is the subservicer: LoanCare, ATTN: Consumer Solutions Department, P.O. Box 8068, Virginia Beach, VA 23450
- A written request for information or a notice of error to LoanCare: LoanCare, ATTN: Office of the Customer, P.O. Box 8068, Virginia Beach, VA 23450
- Overnight mail to LoanCare: LoanCare, 3637 Sentara Way, Virginia Beach, VA 23452
- Where Carrington is the subservicer, notices of error and information requests: Carrington Mortgage Services, LLC, P.O. Box 5001, Westfield, IN 46074, fax (800) 486-5134
Required Documents
- Certified death certificate, in every case, in addition to the authority document
- Will, if one exists
- Letters Testamentary or Letters of Administration, if an estate is opened
- Judge-signed probate order, if a probate case exists
- Deed, to establish an inherited ownership interest
- Affidavit of heirship, for an intestate estate, where there is no will
- Cover letterWith the loan number, the property address and your contact information, and the loan number repeated on every page.
- Third-party authorization, where the person handling the loan is not the successor in interest or the appointed representativeLoanCare routes "third party authorizations, payoff requests, and assumption documents" through one Third Party Request channel in its help center.
Claims Contact
Website: Online portal →
What happens to each kind of account1
- Loan
Lakeview's "Assume and Save" program lets a qualified party step into the existing mortgage, including its interest rate. A Lakeview specialist qualifies the assuming party, and after closing the departing party is released from liability.1, 2
Not all loans are assumable; federally guaranteed or insured loans may be assumable if requirements are met.1, 2
Federal law on calling a home loan after a death
These exemptions apply to a loan secured by residential real property containing less than five dwelling units.12 U.S.C. § 1701j-3(d); 12 CFR 191.5(b), 141.14Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer by devise, descent, or operation of law on the death of a joint tenant or tenant by the entirety.12 U.S.C. § 1701j-3(d)(3); 12 CFR 191.5(b)(1)(iii)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer to a relative resulting from the death of a borrower.12 U.S.C. § 1701j-3(d)(5)Verified Oct 3, 2026View source
- A lender may not exercise a due-on-sale clause upon a transfer where the spouse or children of the borrower become an owner of the property.12 U.S.C. § 1701j-3(d)(6)Verified Oct 3, 2026View source
A federal regulation sets further conditions on these transfers.12 CFR 191.5(b)(1)(v)Verified Oct 3, 2026View source
Accounts handled elsewhere5
- LoanCare
Servicing of most Lakeview loans, including deceased-borrower documents and payoff3, 4
Phone: 1-800-509-0183
Mailing address: LoanCare, ATTN: Consumer Solutions Department, P.O. Box 8068, Virginia Beach, VA 23450
- M&T Bank
Servicing of the Lakeview loans it subservices3
Phone: 1-800-724-2224
- Champion Mortgage
Servicing of the Lakeview loans it subservices3
Phone: 1-833-685-2580
- ServiceMac
Servicing of the Lakeview loans it subservices3
Phone: 1-844-478-2622
- Carrington Mortgage Services
Servicing of the Lakeview loans it subservices, including the loans Valon previously serviced3, 5
Phone: 1-855-218-3690
Fax: 1-800-486-5134
Mailing address: Carrington Mortgage Services, LLC, P.O. Box 5001, Westfield, IN 46074
What Lakeview provides to the estate1
- Payoff statement
The subservicer gives a payoff quote on request. Once the loan is paid off, the lien is released.6
What Lakeview's agreement and guidance say1
- Who can get account information
The subservicer will not release loan information, such as the balance, payoff figure or delinquency status, until it confirms the caller is a successor in interest to the borrower or the executor or administrator of the estate.6
Not in Lakeview's published guidance2
- A claim form
- How long a claim takes
Lakeview can be reached by phone at 1-800-509-0183 for questions throughout the claims process.
Sources
Data sourced from Lakeview primary sources (13 pages reviewed). How we research.
Lakeview death claims support
Phone
Lakeview Customer Care
LoanCare Customer Care Center (general)
LoanCare collect line for callers outside the United States
Carrington Mortgage Services customer service
Carrington notices of error and information requests (fax)
Mailing address
Website
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Digital Assets Recovery Letter
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Petition for Probate and Letters
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Notice to Creditors
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