Click on Payments and then click on Request Payoff. The first step is to get in touch with your lender or loan servicer.You can find their contact information on your monthly statements. A payoff letter provides instructions on how to pay off a loan with a lump sum before the loan term ends. Learn how payoff letters work. How to fill out the Payoff Request Letter Templates? Request a payoff quote. Pick a payoff date soon after your next payment is due, contact the bank and ask what the payoff amount for that date would be. 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.