What to do when a RoundPoint account holder dies
Report the death to RoundPoint at 1-877-426-8805
RoundPoint balances do not pass to anyone at death — they are settled. The executor reports the death to RoundPoint, 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 RoundPoint.
Death claim process
Follow these steps to file a death claim with RoundPoint:
Filing a claim
- Death certificate, or an obituary or newspaper article reporting the death.
- The last will and testament as well, if the loan is to be assumed due to the death of the borrower or co-borrower.
- Online through its Loan Solution Center (LSC).
- By phone at 877.426.8805.
- Printed and sent by email to loss.mitigation@roundpointmortgage.com or by fax to 877.343.2448.
- Printed and sent by mail to RoundPoint Mortgage Servicing LLC, Attn: Loss Mitigation Department, PO Box 19409, Charlotte, NC 28219-9409.
- By wire to the account on RoundPoint's payoff-requests page.
- By title check, cashier's check, or money order to RoundPoint Mortgage Servicing LLC, Attention: Cash Management, 446 Wrenplace Rd, Fort Mill, SC 29715.
Required Documents
- Death certificate, or an obituary or newspaper article reporting the death, with a Mortgage Assistance Application that gives a death as the hardship
- Last will and testament, if the loan is to be assumed due to the death of the borrower or co-borrower
Forms RoundPoint issues2
- Third-Party Authorization Form
Available to download.3
What happens to each kind of account1
- Loan
RoundPoint's Mortgage Assistance Application lists the death of a borrower, or of the primary or secondary wage earner in the household, as a hardship, and includes "Estate/To Be Assumed" among the property status choices.1
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 RoundPoint provides to the estate1
What RoundPoint's agreement and guidance say1
- Who can get account information
RoundPoint's Third-Party Authorization Form requires written consent from the borrower before RoundPoint discusses non-public loan information with another person.3
Not in RoundPoint's published guidance3
- A procedure for reporting a death
- A claim form
- How long a claim takes
Sources
Data sourced from RoundPoint primary sources (15 pages reviewed). How we research.
RoundPoint death claims support
Customer Service
Phone
Speak to a loan officer
Notice of error or request for information
Payments
Loss Mitigation fax (Mortgage Assistance Applications)
Fax for Third-Party Authorization forms
Hours
Mailing address
Website
Death notifications go through general customer service.
Estate planning articles
Learn how to protect your RoundPoint accounts and other assets with trusts, beneficiary designations, and estate planning documents.
Is this your situation?
Get a complete guide for your specific circumstances.
Forms for Settling an Estate
Free forms for settling an estate: the probate petition, small estate affidavit, notice to creditors, inventory, and closing forms.
Digital Assets Recovery Letter
Prepare a letter requesting a deceased person's online accounts, points, and balances from the program that holds them.
Petition for Probate and Letters
Open probate and ask the court to appoint you and issue Letters Testamentary or Letters of Administration.
Notice to Creditors
Notify estate creditors and start the claim period — the published notice plus mailed copies for known creditors.
Renunciation of Executor
Decline an appointment as executor named in a will — the writing filed with the court before anyone is appointed.
Affidavit of Heirship
Prepare the sworn statement of a deceased person's family history and heirs for recording in the county land records, with your state's recording instructions.
Small Estate Affidavit
Collect a small estate's property without probate — the sworn affidavit presented to banks and other holders, with a presentation letter for each.
Tools for Settling an Estate
Free tools for settling an estate: whether probate is needed, executor and trustee pay, creditor deadlines, and inheritance taxes.
How Many Death Certificates Do I Need?
Calculate how many certified death certificates you need and see ordering info for your state.
Do I Need Probate?
Find out if an estate needs probate or qualifies for simplified procedures.
Do I Have to File Tax Returns for Someone Who Died?
Find out which tax returns need to be filed after someone dies and whether tax clearance is required.
How Do I Settle an Estate?
Personalized plan for settling an estate after someone passes away.
What Do I Do When Someone Dies?
A step-by-step checklist for the days, weeks, and months after a death, with state rules noted where they apply.
How Much Are Estate & Inheritance Taxes?
Calculate federal estate tax, state estate tax, and inheritance tax for an estate.
