All "completed" requests are returned within two business days. •. You may need to fill out a form, sign into an online system, or call a customer service line.An IOU ( I Owe You ) is a legal document that sets out the details of a loan made between two people, a borrower, and a lender. Requests may be sent to State Home Mortgage via email, as long as the form is completely filled out. Application, Repayment Procedure and Forms. One form tells borrowers the remaining principal amount and interest they have to pay to close out the loan. Make a payment on your loan or line of credit from Georgia's Own. It's fast, easy, and secure. Principal Curtailment assistance is a one-time payment to the lender to reduce the total mortgage balance. When your loan is paid off, your lender will send the lien release to the DMV.