The mortgage payoff calculator helps you find out. The mortgage company paid my current taxes.Get access to direct deposit forms, automatic bill payment forms, and loan management from BMO. 1. Understand why your mortgage payoff amount does not equal your current balance. Under the SAVE plan monthly payments are based on your income not your student loan balance. And here's how you can enroll in the SAVE program. You may qualify for forgiveness of the remaining balance due on your eligible federal student loans based on your employment in a public service job. Refinance your mortgage. Refinancing a mortgage is when you take out a new loan to pay off your existing one. If there is a change of ownership, tax agent or litigation on the account, however, please contact our office.