A payoff request can be created and mailed for free. How long does it take to obtain a payoff?4. Why do I need a Payoff Letter? In order to process your homeowner mortgage servicing request, you must submit the following: Mortgage Servicing Request Form, Mortgage Servicing Fee. Mail: Send us a short letter stating that you'd like a payoff quote. Complete 1 Form for each Mortgage. Do you need a loan payoff request form? 90 Day Pre-foreclosure Notice. Lender must mail you information on getting help at least 90 days before starting a court case. I'm selling my house with a closing date of January 9th.