Last Mortgage Payment Letter

Paying off a mortgage is a significant milestone for any homeowner, and the excitement of making the last payment can be overwhelming. Writing a letter to accompany that last mortgage payment is an opportunity to document the accomplishment and provide evidence of full ownership of your home. This article will discuss how to write an effective last mortgage payment letter, including what information to include and tips on formatting. Additionally, it will provide advice on what to do after sending your final payment.


[Lender Name]
[Lender Address]

Re: Final Mortgage Payment
Account Number: [Account Number]

Dear [Lender Name],

This letter is to confirm that I have made my final payment on my mortgage loan with your company. The payment was for the remaining balance of the loan, in the amount of [Amount].

Enclosed is a copy of the receipt from my bank confirming that this payment has been made. Please process this payment and update your records accordingly.

I would like to thank you for all your help and support throughout the duration of my mortgage loan. It has been a pleasure working with you and I look forward to doing business with you in the future.


[Your Name]

The accomplishment of making your last mortgage payment is something to be celebrated. You can now look back on the years of hard work and dedication that it took to make this happen with pride. Now that you’ve achieved this milestone, you can use the extra money to save for retirement, invest in other projects, or pursue other dreams. With the freedom that comes from having your mortgage paid off, you can make decisions about your future with confidence and peace of mind. Congratulations on becoming debt-free!