How do I get mortgage information about a home I inherited?

You should inform the loan servicer if you’ve inherited a home from someone. The mortgage servicer is the company that sends the monthly mortgage statement, responds to borrower inquiries and keeps track of principal and interest paid.

To receive certain information about the mortgage account, you may need to show the mortgage servicer proof of your right to the home. In the case of inheritance from someone who has died, that proof might include a copy of the executed will and the death certificate or a letter from the executor of the deceased person’s estate. The mortgage servicer should tell you what kind of proof it needs. The proof that you can get may vary from state to state.

You also may want to ask the servicer for further information about your rights and obligations with respect to the house and the mortgage. For example, you might ask the servicer how you can continue making payments on the loan or how you can seek a loan modification.

You may also want to consult an attorney or a housing counselor.  You can use the CFPB’s “Find a Counselor” tool to get a list of Department of Housing and Urban Development (HUD)-approved counseling agencies in your area. You can also call the HOPE™ Hotline, open 24 hours a day, seven days a week, at (888) 995-HOPE (4673).

If you’re facing imminent foreclosure or have been served with legal papers, you may also need to consult an attorney.

If you have a problem with the mortgage, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372).