Payoff requests are answered within 1-2 days when received on the Download this pdf file. State Home Mortgage Official Payoff Request form.Use our online payment portal to make a payment with your checking account, savings account, or debit card. It's fast, easy, and secure. A "mortgage buydown" and "discount points" can lower your rate and help keep your monthly payment within an affordable range. Application, Repayment Procedure and Forms. It covers all aspects of the loan, including the loan amount, interest rate, repayment schedule, collateral (if any), and default provisions. A reduction in the loan balance may not reduce the payment; homeowners should discuss options with their lender or a HUD Counselor if affordability is an issue.