The Payoff request must have borrowers signed authorization to release payoff information. Franklin American Mortgage Company, one of the fastest growing mortgage companies in the United States, specializes in conventional mortgages.Franklin offers a complete selection of mortgage products to fit your exact needs. A payoff request can be created and mailed for free. How long does it take to obtain a payoff? The FDIC may be able to assist you in obtaining a lien release if the request is for a customer of a failed bank that was placed into FDIC receivership. Loan servicing and loan modification information from Carrington Mortgage.