After a borrower on the loan has passed away, you’ll need to notify Mr. Cooper and provide one or more of the following documents:

• Death Certificate – This document is used to validate the death of the borrower and make the necessary updates to the account.

• Evidence of Family Relationship – Examples of these documents could include a marriage certificate, birth certificate, etc. and are used to validate your relationship to the borrower.

• Will or Last Testament – This document is only needed if there is a will available and is used to show that you have ownership interest or that you are an Executor or Administrator of the borrower’s estate.

  • An Executor/Administrator is designated to administer the estate and make sure all claims are paid and that the remaining property goes to the heirs. The Executor has the ultimate authority to make final decisions concerning the estate. An heir can also serve as an Executor/Administrator.

• Probate Proceeding Order – This document is only needed if there was a probate case opened with a Court. It should show that you will be inheriting the property or that you are an Executor or Administrator of the borrower’s estate, or both. It must be signed by the judge.

• Court Pleadings/Orders – Examples of these types of documents could include: Letters of Testamentary, Letter of Personal Representative, Letter of Fiduciary, Letter of Administration, etc. It should show that you will be inheriting the property or that you are an Executor or Administrator of the borrower’s estate, or both. It must be filed by the court or signed by the judge providing you with the necessary authority.

  Note: The heirs are those who may receive money under the will, but they don’t have power over the estate or the sale of assets. Usually, these individuals are family members or someone the borrower designated as their heirs.

• Deed – This document is used to validate that you are an owner of the property.

• Intestate Heirs Affidavit – This document can be used to establish who the legal heirs are, in cases where there is no will. It should provide the property description and who gains ownership.

• Recorded Affidavit of Heirship – This document is used to validate your ownership interest in the property. This document is only needed as applicable by state law and must be recorded.

• Recorded Life Estate Deed, Lady Bird Deed, or Transfer Upon Death Deed – These types of deeds permit the property owner to have full use of their property until their death, at which point the ownership of the property is automatically transferred to the beneficiary. This document is used to validate your current ownership interest in the property, must be executed by the borrower, and must be recorded.

Submit to:

• Email: researchincoming@mrcooper.com
• Fax: 972-459-1611
• Mail: PO Box 612488, Dallas, TX 75261