1) North Carolina General Statutes §45-36.9 requires that you must submit a satisfaction instrument to the. Calculation factors should be carried out six (6) decimal places.(h) A secured creditor must provide upon request one payoff statement or one short‑pay statement without charge during any six‑month period. Use this mortgage calculator to calculate estimated monthly mortgage payments and rate options. North Carolina specific forms are available below. The forms are downloadable in Adobe Acrobat "PDF" format, unless otherwise indicated. A payoff request can be created and mailed for free. How long does it take to obtain a payoff? Use Bank of America's auto loan calculator to determine your estimated monthly payments and your approximate rate for a new or used car loan. Filling out this form is straightforward.