A lender's payoff statement or letter will show the amount you need to pay to completely close out the loan. Payoff requests are answered within 1-2 days when received on the Download this pdf file.State Home Mortgage Official Payoff Request form. We accept all methods of payment for a payoff (online, phone, mail). Understand Your Credit Card Statement. Learn what a mortgage payoff statement is, how to request one, and and what to do if your mortgage servicer fails to send it. Do not include a credit report as proof of payoff. Requests are processed in the order they are received.