<prompt> Human: Hello,When you pay off your home mortgage what should you receive as proof that the mortgage is indeed paid off? Last year we paid off our home mortgage and received some paperwork from the bank BoA. Today in the mail I received a postcard with this website:This past month, my home owners insurance was due and instead of it being escrowed, I needed to pay for it myself. My insurance company requested a copy of the pay off paperwork to update their records. They though the paperwork was odd I am trying to get more information from them....What should I have expected to receive? I live in NYS. Can anyone please help me understand the process once a mortgage has been paid off or what this settlement is all about? It seems that BoA didnt release the mortgages properly...Any help would be appreciated.Thank you.  <response>: Not sure if your taxes have always been escrowed for you, but just in case, make sure you pay those. I work with tax liens and roughly 15 of the liens that mature to us are accidental because taxes had always been escrowed into a mortgage that had been paid off : 