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Guidance for Mortgage Support Requests

The following information will help you with mortgage title transfers, assumptions, release of liability, subordination requests and collateral change requests. 

For additional assistance, call us at 1-800-243-9334 and select the appropriate phone option: Title Transfers - Option 2; Subordinations - Option 3; and Collateral Changes - Option 4. For Assumption/Release of Liability, call us at 1-888-842-6328. 

Mortgage Title Transfers

Our Real Estate Lending Support team can guide you through the mortgage title transfer process. For help, call us at 1-800-243-9334, option 2, or email us at You may also fax documents to 1-855-579-3656. Please include a cover sheet with your name and contact number so our support team can contact you.

Here’s a list of common documents that may be needed for the following situations:

Loss of a loved one

  • Certified copy of death certificate
  • Recorded deed or other homeownership document

Divorce or legal separation

  • Recently recorded deed to your property
  • Certified copy of your divorce decree or judgment

Transferring ownership to a spouse or child

  • Most recent recorded deed
  • Marriage certificate
  • Birth certificate

Transferring property interest into a trust

  • Copy of trust document

Information on this web page isn't legal advice and shouldn't be construed as such. We recommend you consult with an independent legal advisor or, where appropriate, contact your local probate court where the property is located for information on the probate process.

For additional information about planning your estate or settling accounts after a loved one passes, please refer to Estate Planning & Account Settlement.

Assumption/Release of Liability

Our Real Estate Lending Support team can guide you through the Assumption Process for the following situations:

In the case of death
Individual borrower or co-borrower on the loan passes away and the party awarded the property wants to assume the loan

In the case of divorce
One of the spouses is awarded the property in the divorce decree and wants to assume the loan or wants to be released from liability

In the case of a VA Loan assumption
Individuals with or without existing interest in the property want to purchase the property and assume the loan

While Navy Federal allows Assumptions/Release of Liabilities under certain circumstances, the new or remaining borrower may need to qualify based on the specific requirements.

For additional information regarding the requirements, call us at 1-888-842-6328 or email us at

Subordination Request

If you decide to refinance your first mortgage with a different lender and have one or more equity loans on the same property, you’ll need to submit a subordination request. This will legally specify which mortgage takes precedence.

Subordination requests are processed in the order they're received and are typically completed within 3 weeks (15 business days) once we receive a completed package.

To make a subordination request, please refer to the Subordination Request Form.

For additional information on subordination requests, call us at 1-800-243-9334, option 3, or email us at

Collateral Change Request

You’ll need a collateral change if you plan to:

  • add to or release part of your land
  • adjust your property's boundary line with a neighbor
  • add an easement or right of way for access to a specific part of your land
  • release land as part of a condemnation or eminent domain request from your county
  • approve requests for oil, gas or mineral rights beneath the surface of your land

To make a collateral change request, call us at 1-800-243-9334, option 4, or email us at