Yes, there are typically legal requirements for notifying the mortgage lender of a spouse's death. While the specifics may vary depending on the jurisdiction and the terms of the mortgage agreement, here are some general guidelines:

1. **Review the Mortgage Agreement**: The first step is to review the terms of the mortgage agreement to understand any requirements or procedures for notifying the lender of the borrower's death. This information may be outlined in the agreement or provided by the lender upon request.

2. **Notify the Lender Promptly**: It's important to notify the mortgage lender of the spouse's death as soon as possible after it occurs. This allows the lender to update their records and begin the process of addressing any changes or issues related to the mortgage.

3. **Provide Documentation**: The surviving spouse or executor of the deceased spouse's estate may be required to provide documentation to the lender, such as a death certificate or proof of authority to act on behalf of the estate.

4. **Discuss Options with the Lender**: After notifying the lender of the spouse's death, the surviving spouse or executor can discuss options with the lender, such as assuming the mortgage, refinancing, or selling the property. The lender can provide guidance on the available options and any requirements or procedures involved.

5. **Follow Up as Needed**: Throughout the process, it's important to maintain communication with the lender and follow up as needed to ensure that any necessary steps are completed in a timely manner.

By notifying the mortgage lender of the spouse's death and following any required procedures, the surviving spouse or executor can ensure that the mortgage is properly addressed and any necessary actions are taken to protect the interests of the family and the lender.

There are no uniform legal requirements for notifying a mortgage lender of the death of a spouse, but it is best to do so as soon as possible. The Garn-St. Germain Depository Institutions Act of 1982 states that a surviving spouse has the right to assume the mortgage if they meet certain criteria.