A payoff request can be created and mailed for free. How long does it take to obtain a payoff?Looking for the best mortgage lender? USMortgage is the one stop solutions to get the quick loan for your home. A payoff letter shows the remaining balance on your mortgage, including fees, interest, etc. Learn more about what a payoff quote is and how to request one. To get a payoff letter, ask your mortgage lender for an official payoff statement and let them know what the projected closing date is. You can search for, get copies of, or update property ownership records, such as deeds and mortgages. A deed is often referred to as a title. Depending on your lender, you may have to sign in to an online account, call a helpline, or send a formal letter to start the request process.