Cit Bank makes it very hard to make your final mortgage payment. Phone system tell you a fax must be sent to you to get your payment amount. This is not true. You can get amount from customer service by phone, skip waiting for fax and save fax fee. A $10.00 demand fee is tagged on your amount. Send extra money in your wire payment to cover expenses they don't put in your pay off amount. They lost one of our payments a couple of months previous to closing the loan. This was a headache!