What to do when a loanDepot account holder dies
Report the death to loanDepot Loan Servicing at 1-866-258-6572
Notifying loanDepot of a death is not a claim for money — it is the step that stops the account, fixes the balance owed as of the date of death, and puts loanDepot on notice as a creditor of the estate. LoanDepot Loan Servicing (1-866-258-6572) handles it.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting loanDepot.
Death claim process
To file a claim after an account holder's death, here is what loanDepot requires:
Filing a claim
- Mail the completed package to loanDepot.com, LLC, P.O. Box 250009, Plano, TX 75025, or upload it through the servicing portal
- The form states loanDepot will make contact within five business days to acknowledge receipt and say whether more information is needed
- Help completing the application is available on the number printed on the form, 866-970-7105
Required Documents
- Certified copy of the death certificate
- Recorded deed, or a Transfer on Death or Life Estate deed, a recorded deed showing you inherited the property, or a Transfer on Death or Life Estate deed if it passed automatically
- Will, if one exists
- Letters Testamentary or Letters of Administration, if an estate is openedNaming you executor or administrator.
- Affidavit of heirship or equivalent proof of your ownership interest, for an intestate estateA recorded affidavit of heirship.
- Mortgage Assistance Application and IRS Form 4506-C, if applying for loss mitigationWith a Monthly Financial Expenses form, if applicable. Together they make up the full Borrower Response Package.
- Death certificate, or an obituary or newspaper article reporting the death, as documentation of a death hardship on the Mortgage Assistance Application
Claims Contact
Website: Online portal →
Forms loanDepot issues1
What happens to each kind of account1
- Loan
loanDepot's Mortgage Assistance Application names death as a qualifying hardship: "Death of borrower or death of either the primary or secondary wage earner."1
For loss mitigation, loanDepot lists a repayment plan, a forbearance plan, a loan modification after a three-month trial period, a Partial Claim on HUD-insured loans only, a short sale, and a deed in lieu of foreclosure or mortgage release.3
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
What loanDepot provides to the estate1
- Payoff statement
loanDepot's servicing fee schedule lists no charge to prepare a payoff statement.4
What loanDepot's agreement and guidance say1
- Who can get account information
The servicer does not release loan information until it confirms that the person contacting it is a successor in interest to the borrower or the executor or administrator of the estate.3
Not in loanDepot's published guidance3
- A claim form
- A procedure for reporting a death
- How long a claim takes
loanDepot Loan Servicing can be reached by phone at 1-866-258-6572, email at payoffs@loandepot.com, and fax at 1-469-825-4845 for questions throughout the claims process.
Sources
Data sourced from loanDepot primary sources (12 pages reviewed). How we research.
loanDepot death claims support
loanDepot Loan Servicing (Deceased Borrower / Successor in Interest)
Phone
Mortgage Assistance Application help line
Customer Care (general questions)
Fax
Hours
Mailing address
Website
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