What to do when a Valon account holder dies
Contact Valon — 6-step process, 6 required documents, and contact valon and submit the appropriate application as soon as possible to avoid late fees and foreclosure while ownership is documented. valon does not publish a fixed turnaround for approving successor-in-interest, executor, or trustee access; it reviews the application and requests any additional documentation needed. payoff statements are provided within 5 business days of request, and a mailed certified or cashier's check may take up to 14 days to be received.
Valon Customer Service (loan servicing)
General questions and requests: Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105. Requests for Information or Notices of Error: Valon Mortgage, Inc., 6300 Riverside Plaza Ln NW Ste 118, PMB 464190, Albuquerque, NM 87120.
Valon Customer Service (loan servicing)
General questions and requests: Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105. Requests for Information or Notices of Error: Valon Mortgage, Inc., 6300 Riverside Plaza Ln NW Ste 118, PMB 464190, Albuquerque, NM 87120.
Valon Customer Service (deceased borrower / property transfer)
Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105 (property-transfer and estate documents)
When an account holder at Valon dies, the executor contacts the Valon Customer Service (deceased borrower / property transfer) (855-218-3690) to report the death and request the balance as of the date of death. The balance is a claim against the estate: it is paid from estate assets, in the order the state sets, before anything reaches the heirs.
To start a claim, contact Valon by phone at 855-218-3690 or email documentation to support@valon.com. You will need the account holder's full name, account numbers, and a certified death certificate.
Death claim process
Follow these steps to file a death claim with Valon:
Filing a claim
- Successor in Interest: ownership of the property was transferred to you and you now appear on the deed (for example, through the death of a co-owner or a relative).
- Executor of Estate: you are responsible for managing the deceased's estate and assets, whether by the borrower naming you in a will or by appointment after death.
- Successor Trustee: you have taken over management of a trust that holds the property, appointed before the grantor's death or inheriting the title after.
- Successor in Interest Application
- Executor of Estate Application
- Successor Trustee Application
- Continue the existing payments. Under the Garn-St. Germain Act, transfer to an heir who occupies the home does not trigger the due-on-sale clause, so an inheriting relative can generally keep making the current payments without paying off the full balance. Making payments is encouraged to avoid foreclosure even though you are not personally liable.
- Apply to assume the mortgage and become the primary borrower — a separate step that reviews credit and income and does take on personal liability.
- 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.
- Pay off the loan. Request a payoff statement through the online account or have an authorized third party email payoff@valon.com; Valon sends the statement within 5 business days. Payoffs must be made by certified funds (wire, Real-Time Payment, certified check, or cashier's check).
Required Documents
- Completed Valon application packet matching your relationship (Successor in Interest, Executor of Estate, or Successor Trustee)
- Recorded deed showing ownership of the property was transferred to you (for a successor in interest)
- Copy of the death certificate
- Trust documents (for a successor trustee) or estate / court documents (for an executor of estate)
- Evidence of a family relationship where applicable (marriage certificate, birth certificate)
- The Valon loan number
What to know at this institution
A mortgage is tied to the home, not the person; the home is collateral. Valon publishes three deceased-borrower/property-transfer application packets — Successor in Interest, Executor of Estate, and Successor Trustee — each granting the same authority as the borrower (access the account, make payments, receive communications) without personal liability for the debt, which is distinct from assuming the loan. There is no fee to apply, and applicants do not need to be a relative. Valon is a servicer/subservicer: the loan may be owned by Fannie Mae, Freddie Mac, or another investor while Valon manages the account. General property-transfer and estate documents go to the Beaverton, OR address; certified-funds payoffs go to the Phoenix, AZ cashiering address; Requests for Information or Notices of Error under Regulation X go to Valon Mortgage, Inc., 6300 Riverside Plaza Ln NW Ste 118, PMB 464190, Albuquerque, NM 87120. Valon does not publish a dedicated estate-department phone line; the deceased-borrower process runs through general Customer Service at 855-218-3690 and support@valon.com.
Prepare your letter of instruction to Valon
Valon asks for a letter of instruction alongside its claim form. We prepare a transmittal cover letter and the enclosure checklist Valon requires.
Build your letter of instructionHow long the process takes at Valon: Contact Valon and submit the appropriate application as soon as possible to avoid late fees and foreclosure while ownership is documented. Valon does not publish a fixed turnaround for approving successor-in-interest, executor, or trustee access; it reviews the application and requests any additional documentation needed. Payoff statements are provided within 5 business days of request, and a mailed certified or cashier's check may take up to 14 days to be received. The most common reason for delays is missing or incomplete documentation, so submitting everything upfront is the best way to keep things moving.
Documentation required by Valon includes Completed Valon application packet matching your relationship (Successor in Interest, Executor of Estate, or Successor Trustee), Recorded deed showing ownership of the property was transferred to you (for a successor in interest), and Copy of the death certificate, along with additional paperwork that varies by account type. All death certificates and court documents must be certified copies.
Frequently asked questions
The mortgage is a debt secured by the home and does not disappear at death. Contact Valon to report the death and gain access to the account: call Customer Service at 855-218-3690 (Monday-Friday, 9 AM-8 PM ET) or email support@valon.com. Valon's team helps identify your relationship to the property — successor in interest, executor of estate, or successor trustee — so you can complete the matching application, gain access to the account, and continue making payments. From there the loan can be kept current, assumed, refinanced, or paid off from a sale.
A successor in interest is someone to whom ownership of the property was transferred and who now appears on the deed — often as a result of the death of a co-owner or a relative — but who was not an original borrower on the loan. Once Valon verifies the status, a successor in interest has the same power as the borrower: they can access the account, make payments, and receive all communications about the loan, without being subject to collections communications or negative credit reporting. This is different from assuming the loan, which takes on personal liability. The status is defined under the CFPB's Regulation X (12 CFR 1024.30-1024.41).
Valon publishes three application packets on its property-transfer help page. Use the Successor in Interest Application if the property was transferred to you and you now appear on the deed. Use the Executor of Estate Application if you are responsible for managing the deceased's estate, whether named in a will or appointed after death. Use the Successor Trustee Application if you have taken over a trust that holds the property. Each packet includes instructions on how and where to submit it, and there is no fee to apply.
Valon generally asks for the recorded deed showing the property was transferred to you, a copy of the death certificate, and — depending on the situation — a document transferring ownership to a spouse or child, trust documents, or evidence of a family relationship such as a marriage or birth certificate. Complete the application packet that matches your relationship and submit it with these documents. Documents can be emailed to support@valon.com or mailed to Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105.
Call Valon Customer Service toll-free at 855-218-3690, Monday through Friday, 9 AM to 8 PM ET (excluding public holidays), email support@valon.com, or use the chat feature on the Valon website. Valon does not publish a separate estate-department phone line; the deceased-borrower and property-transfer process runs through general Customer Service. For financial hardship while ownership is being documented, the assistance line is 855-716-1340.
Valon's Valon Customer Service (deceased borrower / property transfer) can be reached by phone at 855-218-3690 and email at support@valon.com for questions throughout the claims process.
Sources
Data sourced from Valon primary sources (4 pages reviewed). How we research.
Valon Customer Service (loan servicing)
General questions and requests: Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105. Requests for Information or Notices of Error: Valon Mortgage, Inc., 6300 Riverside Plaza Ln NW Ste 118, PMB 464190, Albuquerque, NM 87120.
Valon Customer Service (loan servicing)
General questions and requests: Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105. Requests for Information or Notices of Error: Valon Mortgage, Inc., 6300 Riverside Plaza Ln NW Ste 118, PMB 464190, Albuquerque, NM 87120.
Valon Customer Service (deceased borrower / property transfer)
Valon Mortgage, Inc., 9450 SW Gemini Dr, PMB 28754, Beaverton, Oregon 97008-7105 (property-transfer and estate documents)
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