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Mortgage Statement 724 3rd Ave 2020-09-18.pdf

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Delivered Electronically Mortgage Billing Statement Statement Date 09/09/2020 *004493020000019720449302000001972* P.O. Box 19409 Charlotte, NC 28219-9409 Statement Enclosed YOUR PAYMENT INFORMATION + 0449302 000001972 09RP03 0945229 Loan Number: Payment Due Date: Net Payment Amount Due: EARL V CO 385 S CHEROKEE ST }M--} ] ]m=-MM} ]N216 DENVER CO 80223-2120 


















 „=Q6u+XF%O~ L X/ „:1w!kJY /2]w\;Z 2005063371 10/01/2020 $856.68 If paym

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Delivered Electronically
Mortgage Billing Statement
Statement Date 09/09/2020

*004493020000019720449302000001972*

P.O. Box 19409
Charlotte, NC 28219-9409
Statement Enclosed

YOUR PAYMENT INFORMATION

+ 0449302 000001972 09RP03 0945229

Loan Number:
Payment Due Date:
Net Payment Amount Due:

EARL V CO
385 S CHEROKEE ST
}M--}] ]m=-MM} ]N216
DENVER CO
80223-2120




















„=Q6u+XF%O~LX/
„:1w!kJY /2]w\;Z

2005063371
10/01/2020
$856.68

If payment is not received by 10/16/2020, a late fee of $8.41 will be charged.

Pay online at www.roundpointmortgage.com
877-426-8805 | ServicingHelp@RoundPointMortgage.com

Property Address:
724 3RD AVE
WATERVLIET, NY 12189

YOUR ACCOUNT
INFORMATION

*004493020000019720001000200000000000000010*

Loan Due Date:
Outstanding Principal:
Deferred Principal:
Interest Rate:
Prepayment Penalty:
Escrow Balance:

YOUR PAST PAYMENT
BREAKDOWN†
10/01/2020
$75,975.81
$0.00
4.875%
No
$231.69

Principal:
Interest:
Escrow (Taxes & Insurance):
Additional Monthly Amounts:
Charges and Fees:
Partial Payment
Total:

EXPLANATION OF
AMOUNT DUE†

LAST MONTH
$522.12
$1,240.41
$1,807.51
$0.00
$0.00
-$79.65
$3,490.39

YTD
$957.48
$2,487.93
$3,806.03
$0.00
$0.00
$0.00
$7,251.44

Important Information About Partial Payments
Any partial payments that you make are not applied to your mortgage, but
instead are held in a separate suspense account. If you pay the balance of a
partial payment, the funds will then be applied to your mortgage.

Principal:
Interest:
Escrow (Taxes and Insurance):
Additional Monthly Amounts**:
Regular Monthly Payment:

$112.07
$308.65
$435.96
$0.00
$856.68

Unpaid Late Charges:
Charges and Fees**:
Past Due Payment(s):
Suspense Balance:
Net Total Amount Due:

$0.00
$0.00
$0.00
-$0.00
$856.68

**See back

†Important Information about Temporary Loss Mitigation Payment Plans
Please note: if you have agreed to a temporary loss mitigation payment plan,
your payments are applied to the account according to the terms of the Note,
not the terms of the temporary loss mitigation payment plan.

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YOUR TRANSACTION ACTIVITY BETWEEN 08/19/2020 AND 09/09/2020

1:2

Principal

Interest

Additional
Monthly Payment

Escrow

Charges
and Fees

Partial Payment
(Unapplied)

Total

Date Paid

Description

09/08/2020

Modified Coupon Payment

$0.00

$0.00

$0.00

$0.00

$0.00

$3,490.39

$3,490.39

09/08/2020

Modified Coupon Payment

$0.00

$0.00

$0.00

$0.00

$0.00

-$3,570.04

-$3,570.04

09/08/2020

Modified Coupon Payment

$109.95

$310.77

$499.63

$0.00

$0.00

$0.00

$3,490.39

IMPORTANT INFORMATION
We’ve updated our policy on returned checks. Please read the
Payment and Payoff Information section on the back of this statement
to learn about changes which could potentially impact the fees
assessed in the event that a payment is returned due to insufficient
funds (NSF).

If You Are Experiencing Financial Difficulty: See back for
information about mortgage counseling or assistance.

SIGN UP FOR ONLINE BILLING STATEMENTS
You can securely access your
billing statements online at your
convenience 24/7

You will receive email notifications
when your billing statement is being
prepared

You can download your statements
and save them for your
records

Please detach bottom portion and return with your payment. Allow 7-10 days for postal delivery. Please do not send cash.
EARL V CO
385 S CHEROKEE ST
N216
DENVER CO 80223-2120

$
$
$
$
$
Other
TOTAL ENCLOSED $
Monthly Payment
Amount
Additional
Principal
Additional
Escrow
Late
Fees

Do you need to update your contact information?
Just check this box and fill out the back of this form

Statement Date:
Loan Number:
Payment Due Date:
Net Payment Amount Due:

09/09/2020
2005063371
10/01/2020
$856.68

If payment is not received by 10/16/2020, a late fee of $8.41 will be
charged.

Mail to:
RoundPoint Mortgage Servicing Corporation
P.O. Box 674150
Dallas, TX 75267-4150














200506337100085668000856680

PAYMENT AND PAYOFF INFORMATION

GENERAL INFORMATION (CONT)

RoundPoint accepts payments made by check, money order, bank draft, or
electronic funds transfer. In order to assure prompt processing, please
include the account number or payment coupon. Payments received after
4:00 p.m. Central Time will be credited as received the following business
day. Payments we cannot accept will be returned within 5 business days
accompanied by a reason for return.

Additional Monthly Amounts: If your monthly mortgage payment includes
additional amounts for products or services offered through the
RoundPoint Marketplace, such as a home warranty or life & disability
insurance, your monthly mortgage payment must include the full monthly
amount needed to pay for the product or service. If your monthly mortgage
payment does not include the full monthly amount needed to pay for the
product or service, it may lead to cancellation of the product or service for
nonpayment. RoundPoint will not accept responsibility or liability for any
loss or damage arising out of or in connection with the cancellation of the
product or service as a result of nonpayment. If you would like to remove
the additional monthly amounts for any product or service offered through
the RoundPoint Marketplace from your monthly mortgage payment, please
contact the product or service provider.
CORRESPONDENCE: To provide us with a Notice of Error about the
servicing of your loan, make a Request for Information about the
servicing of your loan, or make a Qualified Written Request, please write
to us at:

In the event a payment does not clear upon initial presentment, RoundPoint
will attempt to withdraw funds from the bank account a second time. Bank
fees may be assessed for one or both presentment attempts. If
RoundPoint is unable to collect the funds, an insufficient funds (NSF) fee
may be assessed to your mortgage account.
Payments: Detach your payment coupon and mail with your check or
money order. Do not delay payments while waiting for additional or
corrected billing statements. Please write your loan number on your check
or money order and mail to the Payment Processing Center listed below.
Payment Processing Center

Overnight/Express Payments

RoundPoint Mortgage Servicing Corporation
P.O. Box 674150
Dallas, TX 75267-4150

RoundPoint Mortgage Servicing Corporation
Attn: Lockbox 674150
4400 Amon Carter, Suite 110
Fort Worth, TX 76155

Payoff Requests: Requests must contain borrower name, property
address, signature of all borrowers, and instructions for returning the payoff
quote. Please include your name and phone number for us to contact you
in the event we have questions regarding your payoff request. Please note,
allowable fees for payoff requests vary from state to state and may be
automatically assessed. Please fax your requests to 877-656-5717. For
questions, please contact Customer Service.

RoundPoint Mortgage Servicing Corporation
P.O. Box 19789
Charlotte, NC 28219-9409
For all other written correspondence, please write to us at:
RoundPoint Mortgage Servicing Corporation
P.O. Box 19409
Charlotte, NC 28219-9409
Hours of Operation: Monday through Friday from 8:00 a.m. until 9:00 p.m.
and Saturday from 10:00 a.m. until 3:00 p.m. Eastern Time

Excess payments, also known as partial payments, made will first be
applied to overdue payments, then to late charges and other amounts
owed under the terms of your loan, then to amounts specified in your
payment instructions, then up to one future payment, and finally to reduce
your principal balance. If you have any questions on how excess payments
are applied, please contact us at 877-426-8805.

GENERAL INFORMATION

HUD COUNSELING INFORMATION

BALANCE ON WHICH THE FINANCE CHARGE IS DETERMINED: (“if
applicable”, lines of credit only) - We calculate the Periodic FINANCE
CHARGE for each billing period by applying the Daily Periodic Rate(s)
FINANCE CHARGE to the “Average Daily Balance” for each billing period.
To do so, we take the beginning balance of your account for each day in
the billing period, and any new advances, charges and fees, and subtract
any payments or credits posted on that day. This produces the daily
balance for each day of the billing period. Then we add up all the daily
balances for the billing period and divide the total by number of days in the
billing period. This produces the Average Daily Balance.

If you are experiencing financial difficulty: If you would like mortgage
counseling or assistance, you may contact the U.S. Department of
Housing and Urban Development by calling 800-569-4287. You may also
visit their website at: http:/www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

Borrower Fees: For a listing of borrower fees, please visit our website at:
www.roundpointmortgage.com/fees. You may also request a copy of our
borrower fees by submitting a written request to the address below.
Allowable fees for checks and drafts that are not honored by your bank
vary by state and will be assessed automatically. Fees are subject to
change without notice.
**Additional Monthly Amounts - This accounts for optional products,
including, but not limited to: TotalProtect, SystemsProtect and
ApplianceProtect home service plans, and ACE Disaster Mortgage
Protection insurance.
**Charges and Fees - This may include corporate advances, late
charges, NSF fees, and fees listed on our website.

IMPORTANT DISCLOSURES
Notice to Customers: RoundPoint Mortgage Servicing Corporation may
report information about your mortgage account to credit bureaus. Late
payments, missed payments, or other defaults on your account may be
reflected in your credit report.
Federal law requires us to advise you that RoundPoint Mortgage
Servicing Corporation (NMLS ID# 18188) is a debt collector and that this is
an attempt to collect a debt. Any information obtained may be used for
that purpose. To the extent your obligation has been discharged or is
subject to the automatic stay in a bankruptcy proceeding, this notice is
for informational purposes only and does not constitute a demand for
payment or an attempt to collect indebtedness as your personal
obligation. If you are represented by an attorney, please provide us with
the attorney’s name, address, and telephone number.
FOR NEW YORK RESIDENTS: Please be advised that RoundPoint
Mortgage Servicing Corporation is registered with the Superintendent of
Financial Services for the State of New York. Borrowers may file complaints
about RoundPoint Mortgage Servicing Corporation with the New York State
Department of Financial Services. Borrowers may also obtain further
information from the New York State Department by calling the
Department’s Consumer Assistance Unit at 1-800-342-3736 or by visiting
the Department’s website at www.dfs.ny.gov. A list of non-profit housing
counselors can be found at http://www.dfs.ny.gov/consumer/mortg_
nys_np_counseling_agencies.htm.
Confirmed successors in interest to borrowers named on the Note are not
liable for repayment of the debt of the original named borrower unless and
until the successor assumes the loan obligation pursuant to applicable law.

First Name

Last Name

Mailing Address

City, State, Zip

Home Phone

Email Address

Cell Phone

Borrower’s Signature

Co-Borrower’s Signature
NOTE: All borrowers’ signatures are required for address change