Looking to sell your home? As a real estate associate of Keller.All items in this Report are presented for information about pending and possible future. Eternal God, when Pilate asked. Jesus, "What is truth?" the word was meaningless. For Real Property, HAMC will use the payoff amount for the mortgage to calculate equity. I'm selling my house with a closing date of January 9th. I received my mortgage payoff letter from Pennymac that is good through January 12th.