What to do when a Mr. Cooper account holder dies
Report the death to Mr. Cooper's Rocket Mortgage at 1-800-476-2538
Mr. Cooper merged into Rocket MortgageMerged, effective October 2025
Rocket Companies closed its $14.2 billion acquisition of Mr. Cooper Group on October 1, 2025 and has since completed the rebrand. mrcooper.com has been retired and now serves only a sunset page reading "Mr. Cooper is now part of Rocket Mortgage"; the Mr. Cooper site and app are no longer available and clients sign in to a Rocket account using their Mr. Cooper username and password. Rocket Mortgage (NMLS #3030) services the loans. Loan numbers, loan terms and the Dallas payment address did not change.
Notifying Mr. Cooper 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 Mr. Cooper on notice as a creditor of the estate. The Rocket Mortgage (1-800-476-2538) handles it.
The claim process begins with a phone call to 1-800-476-2538. Have the account holder's full name, account numbers, and the death certificate available when making initial contact.
Death claim process
Follow these steps to file a death claim with Mr. Cooper:
Filing a claim
- The deceased borrower's full name, the property address and the loan number
- Your name, your relationship to the borrower, the capacity you are acting in, and a mailing address and phone number
- A statement that you may be a successor in interest, or that you are the executor or administrator of the estate
- Copies of the documents establishing the death and your authority
Required Documents
- Death certificate, in every case, in addition to the authority documentValidates the death and lets the servicer update the account.
- Evidence of family relationship, where relevantA marriage certificate, birth certificate, or similar.
- Will or last testament, where one existsShows an ownership interest, or that you are executor or administrator.
- Probate proceeding order signed by the judge, where a probate case was opened
- Court letters, if an estate is openedLetters Testamentary, Letter of Personal Representative, Letter of Fiduciary, or Letter of Administration, filed by the court or signed by the judge.
- DeedValidates that you are an owner of the property.
- Intestate heirs affidavit, where there is no willGives the property description and who takes ownership.
- Recorded affidavit of heirship, where state law calls for oneRecording is required.
- Recorded life estate, lady bird, or transfer on death deed executed by the borrower, where title passed automatically at death
- Cover letter with the loan number, property address and your contact informationRocket asks senders to include the specific concern or question and the account number.
Claims Contact
Website: Online portal →
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 Mr. Cooper provides to the estate1
- Payoff statement
For a payoff quote on a transferred loan, call 800-508-0944, or request it through the online account once the loan is onboarded to Rocket.1
What Mr. Cooper's agreement and guidance say2
- Accounts from a merged institution
Rocket says of former Mr. Cooper loans: "This is not a traditional mortgage transfer since it is a result of a merger of two mortgage servicers. Your loan number, payment address and all of your loan terms are staying the same."2
Rocket states a 60-day grace period on transferred loans, during which late fees are not charged and credit reporting is not affected.1
Not in Mr. Cooper's published guidance2
- A claim form
- How long a claim takes
Mr. Cooper's Rocket Mortgage can be reached by phone at 1-800-476-2538 and fax at 1-972-315-8637 for questions throughout the claims process.
Sources
Data sourced from Mr. Cooper primary sources (11 pages reviewed). How we research.
Mr. Cooper death claims support
Rocket Mortgage
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