What happens to your UWM accounts when you die
Covers 5 lending accounts — all transfer through probate
UWM Research Department (deceased customer / successor in interest)
UWM Research Department, PO Box 612488, Dallas, TX 75261
UWM balances are a debt, not an asset. There is nothing to designate a beneficiary on and nothing to retitle into a trust: what the account holder owes at death becomes a claim against the estate, paid from estate assets before anything is distributed to heirs.
Estate planning around UWM means knowing the balance exists. An executor pays the estate's debts before its heirs, so an unlisted balance is what stalls an estate late — after distributions have already gone out. Relatives do not personally inherit the debt; a co-signer or joint account holder remains obligated on their own account.
When the account holder dies, the executor notifies UWM, obtains the balance owed as of the date of death, and resolves it through the estate's creditor process. The steps and required documents are on the death claim page.
UWM accounts carry no beneficiary designation, because there is nothing to leave: the balance is owed, not held. It is settled by the estate as a creditor claim rather than passed to anyone.
Why trust accounts are not available
When a trust owns a UWM account, that account bypasses probate completely—it transfers under the trust terms instead of through a court. UWM allows trust retitling by mail.
Sources
Data sourced from UWM primary sources (14 pages reviewed). How we research.
Download these UWM instructions
Download instructions for the whole estateA printable PDF with the steps, required documents, and contact details — verified against UWM primary sources. Bring it to the branch or keep it beside the phone.
UWM Research Department (deceased customer / successor in interest)
UWM Research Department, PO Box 612488, Dallas, TX 75261
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