Use eDemand 6 to submit a payoff request online. This is the quickest option.In the payoff demand statement, the beneficiary must state the amount of the unpaid balance and interest rate together with the total amounts. You can follow these steps to view your payoff statement online. Log in to your Freedom Mortgage account. After you have the payoff letter, you can send the final payment to your mortgage lender. Around 30 days after you make your final payment, you'll receive an official letter from the mortgage company stating that your loan is paid in full. You can't just pay the amount shown on your monthly mortgage statement to pay off the loan. That amount is your outstanding loan balance, not a payoff amount. It's vital that title and escrow professionals find out the exact amount owed at the closing.