Please use the link on our homepage to access important information. What is the difference between the current principal balance and the payoff amount? The loans payoff can include many things like: late fees, account closing fees, deferred or accrued interest and advances made by the Lenders or Servicing Agent. A formal “Demand for Payoff” should be requested if you plan to pay a loan in full. Regardless of the circumstances, a borrower experiencing financial hardship should contact Del Toro Loan Servicing, Inc., as soon as possible, as there may be options available. Additionally, if your loan becomes delinquent, your lender generally has the option of foreclosing on the note immediately. While we cannot promise success, we can assist you in trying to avoid a foreclosure. We cannot, however, offer legal advice.