I'd also send with it, the Federal statute that says they are required to provide a payoff within 7 days of the request.

@Emile Petrone, FHA has lower note rates than conventional because it's federally insured.

This is a violation of federal law.Ultimately, we've found that the three most important things when listing a home are 1) price, 2) pro photos, and 3) offering a fair buyer agent commission on the MLS (typically 2.5%).

There are more, Federally, and your particular state can add even more on top of that.Make sure you follow the laws in your state.

Again, I'm not recommending you do this if you can't satisfy the requirements of the loan as that would be a federal felony.

First Federal Bank is wonderful!

., but would like to focus on buying and holding single family homes in the Baltimore area, specifically Fells Point and Federal Hill.

BP isn't a regulatory agency, the federal government is.

Other things that may be owed are taxes, whether local or federal, this isn't extremely common but most liens I see in addition to a mortgage are usually taxes. 

@Brian Phillips, of course since 1031 is a federal statute, protection from federal gain tax is protected.