A payoff request can be created and mailed for free. How long does it take to obtain a payoff?The mortgage discharge or lien release is recorded. Us for any questions not covered below. Middlesex Savings Bank makes it easy to get in touch. Call. 1-877-463-6287. A mortgage payoff letter can come in two forms. One form tells borrowers the remaining principal amount and interest they have to pay to close out the loan. 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. You can use an information subpoena to request information about: Checking and savings accounts. What personal assets the debtor owns.