Creating a payoff letter is essential to any loan or mortgage repayment process. Our free templates and this guide can help you get started.To get a payoff letter, ask your mortgage lender for an official payoff statement and let them know what the projected closing date is. Do not include a credit report as proof of payoff. Look at your bank and credit card statements or other spending records. Here's everything you need to know about drafting and filing an Answer to a credit card debt lawsuit, with sample Answers included. Keep good records of your debts, so that when you reach the credit card company, you can explain your situation. Rocket Mortgage® FAQs. Don't see your question here? If I have a co-applicant, what do I need to do to fill out a credit application?