Payoff requests are answered within 1-2 days when received on the Download this pdf file. State Home Mortgage Official Payoff Request form.The mortgage payoff calculator helps you find out. This form is furnished to give you a statement of actual settlement costs. There's probably an online form. Mortgage points are fees that you pay your mortgage lender upfront in order to reduce the interest rate on your loan and, in turn, your monthly payments. A mortgage payoff letter can come in two forms. This form is a statement of final loan terms and closing costs. Compare this document with your Loan Estimate. Mortgage payments are made up of your principal and interest payments.