The City of San José processes requests for payoff demands of existing homebuyer and home repair loans, and affordability restrictions (i.e. 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. Use SmartAsset's free California mortgage loan calculator to determine your monthly payments, including PMI, homeowners insurance, taxes, interest and more. Once completed, note the SST number and come into our office to finish the process. This guide is intended to help California homeowners better understand the many options for financing the construction or. Bank with KeyPoint Credit Union in Silicon Valley, Santa Barbara, and the Bay Area, CA and enjoy great loans, accounts and more. Explore our services. Counties: Alameda, Los Angeles, Sacramento, San Diego, Santa Clara. University Credit Union is a CA-based cooperative that takes pride in serving university communities.