When the person reading is not the original borrower
Tenants, heirs, spouses, and family members need a separate path.
Occupancy, ownership, inheritance, probate, lease rights, marital interests, and authority to speak with a servicer can change who may act and what must be verified.
If you inherited or share an interest in the home
- Ask the servicer for its successor-in-interest process and the exact documents it requires.
- Gather the deed, death certificate, will or trust, probate papers, divorce order, and occupancy information that apply.
- Do not sign a new loan, transfer, waiver, or assumption without understanding ownership and liability.
- Use local probate, estate, family-law, or foreclosure counsel when authority or ownership is unclear.
If you are a tenant
- Keep the lease, payment records, notices, and contact information for the landlord or property manager.
- Verify whether a foreclosure sale actually occurred and who now claims ownership.
- Do not move or redirect rent based only on an unverified letter or doorstep demand.
- Ask local legal aid about notice, lease, eviction, relocation, and tenant-protection rules.
If you are helping someone
- Let the homeowner control decisions and understand what you are doing.
- Ask the servicer what written authorization is needed before it can discuss the account.
- Do not enter the homeowner's sensitive data into this site or send it to an unverified helper.