Estate planning and settlement at LoanCare
Report a death at 1-800-274-6600
LoanCare is a mortgage servicer, so the estate planning question is about a debt, not an asset. When the borrower dies, the estate must notify LoanCare and resolve the outstanding balance—through payoff, assumption, discharge, or surrender depending on the loan—rather than name a beneficiary.
LoanCare has documented procedures for both preparing accounts during your lifetime and handling claims when an account holder passes away.
Beneficiaries and trust funding
How to review 1 account type at LoanCare.
Preparing your estate →Death claim process
Report the death to LoanCare at 1-800-274-6600. The page lists the steps and the documents to send.
When someone dies →Frequently asked questions
LoanCare services the loan; it does not own it. LoanCare, LLC is a subservicer — a Fidelity National Financial company, NMLS #2916 — that collects payments, sends the monthly statement, and handles day-to-day servicing on behalf of the party that OWNS the loan. That owner is often Lakeview Loan Servicing, or the bank or credit union whose branded website the borrower logged in to (many lenders private-label the LoanCare platform under their own name at sites ending in myloancare.com). The owner matters because it, not LoanCare, sets the assumption and loss-mitigation options. LoanCare publishes a way to get the answer in writing: send a request for information to ATTN: The Office of the Customer, P.O. Box 8068, Virginia Beach, VA 23450, including the borrower's full name, the property address, the loan number, and the request itself. LoanCare states that where the request asks for the identity and address of the investor, it provides that within 10 business days of receipt — faster than its general 30-business-day response window.
Sources
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Data sourced from LoanCare primary sources (18 pages reviewed). How we research.
LoanCare customer support
LoanCare Customer Care Center
Phone
Collect line for callers outside the United States
Loss Draft (Insurance Claims) Department
Single Point of Contact (SPOC) team
Hours
Mailing address
Website
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