Yes, you can make extra payments to pay down your loan, or pay off your loan in full. There is never a fee for making an additional payment.How can I ensure Fulton Bank will receive my loan payment on time? You may send the funds via wire, wire instructions are provided with every payoff quote. Fulton Mortgage Company offers physician mortgage loans to medical professionals with credit scores as low as 700. They'll figure out the amount at closing and you'll get the right amount. Yes. You may prepay your loan in whole, or partially prepay your loan, at any time without penalty. A payoff letter provides instructions on how to pay off a loan with a lump sum before the loan term ends. Learn how payoff letters work. If you are enrolled in EAP you will receive an EAP Enrollment letter to provide additional details.