For any additional questions please us at (631) 852-2000. A payoff request can be created and mailed for free.How long does it take to obtain a payoff? Instructions for New York State Real Estate Transfer Tax Return and Credit Line Mortgage Certificate. Swis Codes, Statewide Information System Codes. A. Arrange for payoff of loans. The seller should advise its bank of the projected closing date and request a pay-off letter. Need to get in touch? Suffolk Credit Union in Long Island, NY makes it easy to contact us. A mortgage payoff letter can come in two forms.