If you've ever had to order a mortgage payoff, you know it's one of the most tedious and outdated parts of closing a real estate transaction.

For years, ordering a payoff meant picking up the phone, sending faxes, waiting on hold, and relying on the borrower to chase down their lender. Not only is this inefficient, but it’s also risky. When you're juggling dozens of files, every delay and every manual step creates an opportunity for errors, bottlenecks, or, worse, fraud.

That’s why we’ve launched a better way.

What is payoff ordering—and why is it so painful?

A mortgage payoff statement is a document from the lender that details exactly how much is owed to pay off a mortgage at closing. It also includes the wiring instructions for where those funds need to be sent.

Sounds straightforward. But getting that document from the lender? Not so much.

Every lender has their own process. Some require phone calls. Others ask for faxes or secure portal logins. Most require borrower authorization, and some even need wet signatures. The result is a mess of one-off workflows, follow-up emails, missed deadlines, and hours of wasted time.

And because the payoff document contains sensitive wire instructions, every extra touchpoint increases the risk of fraud or misdelivery.

A new way to order payoffs inside CertifID

We’ve built a new payoff ordering experience directly within CertifID. It’s designed to eliminate the friction and the risk that comes with manual payoff workflows.

Here’s what it allows you to do:

• Order a payoff from any institutional lender like national banks, credit unions, or mortgage servicers
• Submit requests in seconds with a streamlined form that collects borrower and loan details
• Upload borrower authorization as part of the same workflow
• Track the status of your order in real time from your CertifID dashboard‍
• Let us follow up with the lender so your team doesn’t have to

In most cases, payoff requests are submitted and confirmed in under 30 seconds. Unlike third-party services that rely on manual processes and charge $7 to $25 per request, CertifID’s solution uses automation to route your order directly to the lender—no phone calls, no handoffs. And if the lender takes longer to respond or needs more information, we’ll handle the follow-up so your team can stay focused.

Why it matters right now

Ordering payoffs the old way doesn’t scale.

As real estate teams take on more volume, the last thing you need is to keep adding headcount just to keep up with phone calls and follow-ups. This solution standardizes the process, reduces errors, and helps your team work smarter without compromising control.

It’s also a huge boost to fraud prevention. Every manual step in the traditional process creates exposure. When payoff documents move through email, fax, or scattered folders, it’s easy for something to go wrong. Centralizing the request and delivery process inside CertifID reduces that surface area dramatically.

What’s next

This launch marks the beginning of a more complete solution for mortgage payoffs. Today, you can order a payoff inside CertifID. And you can verify that payoff using PayoffProtect.

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Soon, these steps will become even more connected, helping you move from a patchwork of tools to a single system for secure, end-to-end payoff handling.

Ready to try it?

CertifID's payoff ordering is available now. If you're ready to streamline your closings and eliminate the most painful part of the payoff process, we’d love to show you how it works.

Let us handle the busywork so your team can focus on what really matters.

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