Possible for good payer to negotiate a low early morgage payoff?

[thefed]

I have about 10 years left on a 15 yr fixed 5.5 mortgage...75k left of 105 origianal. Mortgage is about 860 and I pay 1150/mo to CCO.

Is there a chance that they would negotiate an early cash payoff? I know it doesnt hurt to ask, but I'm curious as to the best approach. Tell em "hey, i just got a lump sum settlement and want to pay this off now" or" hey, i'm self employed, work sucks, and i have a family member willing to do this for me" etc etc


Any ideas, advice? ? I have excellent credit and never defaulted on any payment of any kind