I had one of those 80-10-10 mortgages and was trying to pay off the 2nd mortgage. Had to go in person, give them a check, and then had to HANDWRITE A LETTER to be sent to corporate (I think?) saying that "yes, I really would like to close out the account that held this mortgage". No template and a "sign here" or anything. They just gave me printer paper and a "just write something" attitude. It was a very odd experience as I wasn't sure how formal it was suppose to be.