A payoff request can be created and mailed for free. How long does it take to obtain a payoff?Depending on your lender, you may have to sign in to an online account, call a helpline, or send a formal letter to start the request process. To get a payoff letter, ask your mortgage lender for an official payoff statement and let them know what the projected closing date is. In order to process your homeowner mortgage servicing request, you must submit the following: Mortgage Servicing Request Form, Mortgage Servicing Fee. A payoff letter shows the remaining balance on your mortgage, including fees, interest, etc. Learn more about what a payoff quote is and how to request one. Never pay a company upfront for promises to help you get relief on paying your mortgage.