Lien Pay-Off Request form. It lays out each fee and dollar still due before you completely pay off your mortgage.Here's how it works. What is a Payoff Agreement? A payoff agreement is an informal contract in which a creditor agrees to accept the balance of a debt owed as full payment. The mortgage payoff statement is a document that provides a comprehensive breakdown of the remaining balance on a mortgage. Request a Payoff Statement. Is this letter real? See below for a complete list of our fees. We're here to guide you on the path to homeownership.