The old mortgage ought to have guidelines for early payoff. Does it mention how pay off amount is attained?

If I were you I would scream and holler and threaten to go to another lender.

I do know that you can call to check your mortgage balance and last payment and such. Usually there is an option to get the “payoff” amount that is valid for a few days.

I think if you threaten to walk they will give in but will then charge extra for something else to make up for it.

Sorry to say it but in the end we are all screwed.