Discover how much interest you can save if you pay off your mortgage earlier with the Mortgage Payoff Calculator from Credit Union of Southern California. 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. Below you will find links to useful forms and documents for easy and convenient access. Once your mortgage loan is paid off, your lender examines your escrow account balance and then takes action to return any leftover money to you. To start the process of getting a mortgage loan, you can visit one of our branches in Riverside, CA or contact one of our Mortgage Loan Officers directly. Make extra monthly payments. Are all mortgage payments current? 1 To see how extra payments could affect your loan payoff schedule, check out our enhanced loan calculator.