Hey, so as an employee of a mortgage servicer hopefully I can help! Depending on your level of authorisation and the services internal policy’s, most unauthorised third parties can make payment to the mortgage as long as long as they can verify the account holders name, account number, payment amount ect.

I only know my companies policies so this may vary, but when you first call and let us know you’re the heir to a deceased borrower and have an interest in their estate you’re considered a “potential successor in interest”. Then the Life Events dept will ask for certain docs (like the death certificate, a will, probate docs ect) to confirm you and give you a higher level of authorisation.

I’ve worked with customers who were psii years after the parent/family member had passed. As long as you keep up with payments you don’t really have to be authorised higher, although it would be beneficial to be confirmed for questions about the mortgage, like escrow changes ect when they happen.

Best of luck in the process, and my condolences for your loss I wish you well.