Mortgage servicer
Executor notifies servicer; payoff, assumption, or sale follows loan terms and probate direction
Some steps differ by region inside the country.
Where
The mortgage servicer named on the monthly statement, which may not be the original lender.
How
Contact the servicer promptly and ask for the payoff balance as of the date of death.
Identify yourself as a successor in interest if you inherited the property, which gives you specific rights to information and to apply for assistance.
Ask whether the loan carried mortgage life insurance that repays it.
Keep making payments from the estate while the administration proceeds, so the loan does not fall into default.
What to bring
A certified copy of the death certificate
The loan number
Letters testamentary or proof you are a successor in interest
Timing
Notify within the first two weeks. Servicers generally allow time, but only once they have been told.
This is practical information, not legal, medical, or financial advice.