This form is furnished to give you a statement of actual settlement costs. Return completed form to: Utah Housing Corporation.A 10 day payoff is crucial to getting your old loans paid off during a refinance. Learn how it works from start to finish. Do you need a loan payoff request form? The mortgage payoff calculator helps you find out. Guild Mortgage is a leading mortgage lender and advisor serving across the United States and specializing in residential home loans. Interest accrues on your student loan balance every day. Credit card or mortgage companies are not considered "debt collectors" as defined in the FDCPA. The person who is collecting the debt is called the creditor.