Josh Patoka

Online: Many servicers let you request a payoff statement through your online account. This is often the quickest option.
Phone: If online access isn't available, calling your loan servicer is another way to request the statement.
Monthly statement: Some loan servicers include your payoff amount in your monthly statement. Check for this information, as it will usually include a good-until date.

5+ years covering personal finance.
Work has appeared on USA TODAY Blueprint, MSN, and Forbes Advisor.

Bio and experience

Josh Patoka has more than five years of finance experience and is an expert on mortgages, refinancing, credit cards, paying off debt, and investing.

He has worked as a mortgage writer at Forbes Advisor, and is currently a contributing financial writer for Well Kept Wallet and USA TODAY Blueprint. Josh's work has also been featured by Fox Business, MSN, NewsBreak, Wallet Hacks, NewsBreak, Johnny Jet, and Frugal Rules.