There are many scenarios where it may make sense to become a successor in interest, but the most common are typically:

1. If all borrowers are deceased and you would like to assume the loan.
2. If all borrowers are deceased and you would like a loan modification.
3. If all borrowers are deceased and you would like a check to be issued in your name.

To begin the successor in interest process, please submit the below documentation/information to [email protected] with a subject line of “Successor in Interest Request:”

1. A non-expired photo identification;
2. A copy of the death certificate;
3. A photo of your Social Security card or official document containing your Social Security number (SSN);
4. Your contact details including your phone number, email, and mailing address;
5. Proof of your relationship with the original property owner; and
6. Proof the property transferred to you (court-appointed document, a court-submitted will, trust documents to include the deed which transferred to the property in the trust, etc.).

No, but you must submit documents to establish yourself as an authorized third party.

In the event all borrower(s) are deceased, provide the applicable death certificates in conjunction with one of the follow documents:

1. Approved executor of estate documents;
2. Approved administration documents;
3. Approved probate/court documents;
4. Approved last will and testament; or
5. Approved trust documents and corresponding deed which transferred the property to the trust by the original borrower.

In the event the borrower(s) are living, provide one of the following documents:

1. Our Third-Party Authorization Form;
2. A general third-party authorization form from an outside source signed by one or more of the borrower(s);
3. A letter signed by at least one borrower;
4. Notarized power of attorney documents;
5. Notarized conservatorship documents; or
6. Notarized guardianship documents.

Note: All forms and letters must contain either a wet ink signature or Adobe electronic signature stamps.

The standard review time frame is 30 business days from the date information is submitted. In the event documents are missing, expired, or additional information is needed, a requirements letter will be sent to request the information. Additionally, if contact information is available, one courtesy call will be placed to discuss the requirements letter.

Once the updated or missing documentation is received, the standard time frame of 30 business days will restart.

This form is required to become a confirmed successor and would like all notices and communications to be provided directly to you. Signing this form does not make you liable for the debt; it simply allows us to contact you directly through call, mail, and/or email.