What to do when a Planet Home Lending account holder dies
Contact Planet Home Lending — 6-step process, 4 required documents, and planet does not publish a fixed timeline for a deceased-borrower account. notify the servicer and submit the death certificate as soon as possible; documenting successor-in-interest status and completing an assumption or refinance can take several weeks to a few months depending on probate and the credit and income review.
Planet Home Lending Customer Service (loan servicing)
Servicing/overnight: Planet Home Lending, LLC, 321 Research Parkway Suite 303, Meriden, CT 06450. Written correspondence, errors, and information requests: Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450. Payments: Planet Home Lending, LLC, P.O. Box 69197, Baltimore, MD 21264-9197.
Planet Home Lending Customer Service (loan servicing)
Servicing/overnight: Planet Home Lending, LLC, 321 Research Parkway Suite 303, Meriden, CT 06450. Written correspondence, errors, and information requests: Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450. Payments: Planet Home Lending, LLC, P.O. Box 69197, Baltimore, MD 21264-9197.
Planet Home Lending Customer Service (deceased borrower / successor in interest)
Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450 (Correspondence / Errors and Information Requests)
Notifying Planet Home Lending 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 Planet Home Lending on notice as a creditor of the estate. The Planet Home Lending Customer Service (deceased borrower / successor in interest) (866-882-8187) handles it.
Gather the account holder's full name, date of birth, and any known account or policy numbers before contacting Planet Home Lending. A certified death certificate is the primary document required to start any claim.
Death claim process
To file a claim after an account holder's death, here is what Planet Home Lending requires:
Filing a claim
- A co-borrower on the loan remains responsible for the mortgage and can continue to manage the account and make payments as usual.
- The executor or administrator of the estate can use estate assets to keep the mortgage current during probate; Planet may ask for Letters Testamentary or Letters of Administration to confirm authority.
- An heir or family member who receives an ownership interest in the home (by will, trust, divorce decree, or intestate succession) can ask Planet to be recognized as a "successor in interest" once ownership and identity are documented.
- A copy of the death certificate.
- Proof of transfer: the recorded deed, or probate court documents (such as Letters Testamentary or Letters of Administration) showing the property passed to you or to the estate.
- A copy of a valid government-issued photo ID and current contact information for the person handling the loan.
- Continue the existing payments. Under the Garn-St. Germain Act (12 U.S.C. 1701j-3(d)(5)), transfer to a relative who occupies the home does not trigger the due-on-sale clause, so an inheriting family member can generally keep making the current payments without paying the full balance immediately.
- Apply to assume the mortgage and become the primary borrower; Planet charges an assumption fee and reviews credit and income to confirm eligibility.
- Refinance the loan into your own name, subject to qualifying on credit, income, and assets.
- Sell the home; the outstanding balance is paid from the sale proceeds at closing and any remainder passes to the heirs.
Required Documents
- Copy of the death certificate for the deceased borrower
- Recorded deed or probate court documents (Letters Testamentary or Letters of Administration) showing how the property and estate are being handled
- Copy of a valid government-issued photo ID for the successor or estate representative
- The Planet Home Lending loan number and current contact information
What to know at this institution
A mortgage is tied to the home, not the person; the home is collateral. Planet Home Lending does not publish a dedicated deceased-borrower / successor-in-interest page or claim form, so the estate uses Planet's general servicing channels: servicing customer service (866-882-8187), the written Correspondence / Errors and Information Requests unit (PO Box 1001, Meriden, CT 06450), payoff (866-882-8187, fax 443-927-1245, email payoffs@planethomelending.com), and Mortgage Assistance / loss mitigation (888-966-9044). A successor in interest who did not sign the note is generally not personally liable for the debt under CFPB Regulation X (12 CFR 1024.30-1024.41), but the home is still at risk of foreclosure if payments stop. Because Planet also sub-services loans owned by others, an investor or insurer (Fannie Mae, Freddie Mac, FHA, VA, USDA) may set additional assumption requirements.
Prepare your letter of instruction to Planet Home Lending
Planet Home Lending accepts a claimant-drafted letter of instruction. We draft it for you — addressed to Planet Home Lending's verified claims department, with the documents it requires enclosed.
Build your letter of instructionProcessing timelines at Planet Home Lending: Planet does not publish a fixed timeline for a deceased-borrower account. Notify the servicer and submit the death certificate as soon as possible; documenting successor-in-interest status and completing an assumption or refinance can take several weeks to a few months depending on probate and the credit and income review. Incomplete documentation is the most common cause of delays—submitting all required documents with the initial claim helps avoid additional processing time.
To process a claim, Planet Home Lending needs Copy of the death certificate for the deceased borrower, Recorded deed or probate court documents (Letters Testamentary or Letters of Administration) showing how the property and estate are being handled, Copy of a valid government-issued photo ID for the successor or estate representative, and The Planet Home Lending loan number and current contact information. Death certificates and court documents must be certified copies—photocopies are not accepted.
Frequently asked questions
The mortgage is a debt secured by the home; it does not disappear at death and does not pass by beneficiary designation. Notify Planet's servicing team at 866-882-8187 and send a copy of the death certificate to the Correspondence unit at PO Box 1001, Meriden, CT 06450. The loan is then resolved by a co-borrower continuing payments, the estate keeping it current during probate, or an heir who inherits the home continuing the existing payments and later assuming, refinancing, or selling the property.
Call servicing customer service at 866-882-8187 (Monday - Friday 8:30 a.m. - 9:00 p.m. ET) with the loan number ready, and send a written notice with a copy of the death certificate to Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450. Planet does not publish a dedicated deceased-borrower claim form, so the notice is a letter you write; include the loan number and contact information for the person handling the estate.
No. A mortgage is a debt, not an asset, so it carries no payable-on-death or beneficiary designation. When the borrower dies the obligation becomes part of the estate. The estate resolves it by keeping the loan current and then assuming, refinancing, or paying off the balance, or by selling the home and paying the balance from the proceeds at closing.
A successor in interest is someone who received an ownership interest in the home securing the mortgage - through inheritance, a trust, or a divorce decree - but was not an original borrower. Under the CFPB's Regulation X (12 CFR 1024.30-1024.41), once the servicer confirms the status the successor can request loan information, receive statements, and make payments, and is not personally liable for the debt. Planet does not publish a dedicated successor-in-interest form; send proof of the death (death certificate), proof of transfer (recorded deed or probate documents), and a photo ID to Planet's Correspondence unit and ask to be recognized as a successor in interest.
Often yes. Most mortgages contain a due-on-sale clause that lets the lender demand the full balance when the property transfers, but the federal Garn-St. Germain Act limits enforcement after a borrower's death: an heir who inherits and occupies the home can generally keep making the existing monthly payments without triggering the clause. To become the primary borrower, a successor in interest can apply for an assumption, which involves an assumption fee and a review of credit and income. Because Planet also sub-services loans owned by others, the investor or insurer may set additional requirements.
Planet Home Lending's Planet Home Lending Customer Service (deceased borrower / successor in interest) can be reached by phone at 866-882-8187 and email at cs@myloansupport.com for questions throughout the claims process.
Sources
Data sourced from Planet Home Lending primary sources (6 pages reviewed). How we research.
Planet Home Lending Customer Service (loan servicing)
Servicing/overnight: Planet Home Lending, LLC, 321 Research Parkway Suite 303, Meriden, CT 06450. Written correspondence, errors, and information requests: Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450. Payments: Planet Home Lending, LLC, P.O. Box 69197, Baltimore, MD 21264-9197.
Planet Home Lending Customer Service (loan servicing)
Servicing/overnight: Planet Home Lending, LLC, 321 Research Parkway Suite 303, Meriden, CT 06450. Written correspondence, errors, and information requests: Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450. Payments: Planet Home Lending, LLC, P.O. Box 69197, Baltimore, MD 21264-9197.
Planet Home Lending Customer Service (deceased borrower / successor in interest)
Planet Home Lending, LLC, PO Box 1001, Meriden, CT 06450 (Correspondence / Errors and Information Requests)
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