A payoff request can be created and mailed for free. How long does it take to obtain a payoff?Payoff Request Form. First name, Last name, Account Number (optional), Phone, Street address, Apartment, suite, etc. The recording of a mortgage is subject to the additional tax, unless the additional tax has been suspended in the county where the real property is located. Use this free New York mortgage calculator to estimate your monthly mortgage payments and annual amortization. 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. The mortgage payoff calculator helps you find out. Find out how much you'll pay in New York state income taxes given your annual income.