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To get a payoff letter, ask your lender for an official payoff statement. Call or write to customer service or make the request online. While logged into your account, look for options to request or calculate a payoff amount, and provide details such as your desired payoff date.

Lenders can also send you a payoff letter after you have finished paying off a loan. This letter serves as confirmation that your loan has been repaid in full, and your account has been closed. It's most often requested so that customers can prove to other lenders that they have no other outstanding debts.

Federal Law. Under 15 U.S.C. § 1639g, ?A creditor or servicer of a home loan shall send an accurate payoff balance within a reasonable time, but in no case more than 7 business days, after the receipt of a written request for such balance from or on behalf of the borrower.? The aggrieved borrower under 15 U.S.C.

Requesting a payoff statement is commonly the first step in paying off a loan. Different types of lenders will have varying formats for payoff statements. Online lenders will generally provide you with a simple payoff amount detailing the exact amount you will need to pay on a specific day to repay the loan early.

Washington law (Chapter 42.56 RCW) requires that identifiable public records be made available to members of the public for inspection and copying upon request. Only records that are exempt by law may be withheld from disclosure. The Act also requires that the public records requested are "identifiable".

The Public Records Act (Chapter 42.56 RCW) is a Washington State law that allows you to review government records.