What should I confirm when I pay off, sell or refinance my US home?

Applies to: United States.

Confirm the payoff, related documents and future payment handling separately when you complete your US arrangement. A payoff quote alone does not confirm that funds were received, documents were completed or future collections stopped.

Tell Customer Care whether you are paying off, selling, refinancing within Ijara or moving to another provider, and give the expected completion date. Ask how to submit account information securely.

Request confirmation of these stages:

1. The amount and instructions: the current payoff quote, the date it covers and how any payment already collected or in transit will be treated.
2. Receipt and remaining items: whether the payoff was received, whether anything remains outstanding, and whether any funds need reconciliation or return.
3. Documents and trust arrangements: which completion or release documents apply, whether any co-trustee change is needed, and what must happen to the trust or title in your particular transaction.
4. Future payments: the final collection or transfer and confirmation of when recurring processing will stop or change.

If you want to retain the trust, say so before documents are prepared. Keeping or dissolving it depends on your transaction and documents; confirm the required steps with the team and your closing or legal adviser. Notify the team if your plans change so the quote, paperwork and payment instructions can be reviewed together.