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Mortgage Statement 2024-02-19 - 724 3rd Ave, Watervliet, NY 12189.pdf

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ELECTRONIC ONLY STATEMENT FOR RETURN SERVICE ONLY PLEASE DO NOT SEND PAYMENTS TO THIS ADDRESS P.O. BOX 619063 DALLAS, TX 75261-9063 Mortgage Statement Statement Date 02/19/24 Contact Information Phone: 1-855-690-5900 Customer Care: 9-807-09982-0051205-001-000-000-000-000 Monday - Friday 8:00am – 8:00pm ET Saturday 9:00am – 2:00pm ET Find us on the web at: EARL V CO 385 S CHEROKEE ST APT 216 DENVER CO 80223-2122 www.freedommortgage.com Loan Number Payment Due Date 0126989383 03/01/24 Amount Due**

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ELECTRONIC ONLY STATEMENT

FOR RETURN SERVICE ONLY
PLEASE DO NOT SEND PAYMENTS TO THIS ADDRESS
P.O. BOX 619063
DALLAS, TX 75261-9063

Mortgage Statement
Statement Date 02/19/24

Contact Information
Phone:

1-855-690-5900

Customer Care:

9-807-09982-0051205-001-000-000-000-000

Monday - Friday 8:00am – 8:00pm ET
Saturday 9:00am – 2:00pm ET

Find us on the web at:

EARL V CO
385 S CHEROKEE ST APT 216
DENVER CO 80223-2122

www.freedommortgage.com

Loan Number
Payment Due Date

0126989383
03/01/24

Amount Due**

$1,268.36

If payment is received after 03/16/24, $8.41 late fee will be charged.

Property Address: 724 3RD AVE
WATERVLIET NY 12189

Account Information

Explanation of Amount Due

Outstanding Principal
Deferred Balance
Interest Rate
Prepayment Penalty
Escrow Balance
Unapplied Funds

Principal
Interest
Escrow/Impound (for Taxes and/or Insurance)
Regular Monthly Payment
Total Fees & Charges
Overdue Payment
Unpaid Late Charges
Other/Optional Products
Total Amount Due**

$70,987.21
$0.00
4.875%
No
($947.96)
$0.00

$132.33
$288.39
$827.64
$1,248.36
$20.00
$.00
$.00
$.00
$1,268.36

Transaction Activity (01/19/24 - 02/19/24)
Transaction
Description

Date

Interest Paid
To Date

Transaction
Effective Date

Transaction
Amount

Interest
Paid

Principal
Paid

Escrow
Paid

Late Charges
Paid

Fees
Paid

Optional
Insurance

Unapplied
Funds

Payment
Nsf Fee
Payment
Payment
Payment Reversal
Nsf Fee

01/29/24
01/29/24
02/05/24
02/07/24
02/13/24
02/13/24

01/01/24
01/01/24
02/01/24
03/01/24
02/01/24
02/01/24

01/29/24
01/29/24
02/05/24
02/07/24
02/07/24
02/13/24

$1,425.47
$20.00
$1,248.36
$1,248.36
-$1,248.36
$20.00

$289.45
$0.00
$288.92
$288.39
-$288.39
$0.00

$131.27
$0.00
$131.80
$132.33
-$132.33
$0.00

$996.34
$0.00
$827.64
$827.64
-$827.64
$0.00

$8.41
$0.00
$0.00
$0.00
$0.00
$0.00

$0.00
$20.00
$0.00
$0.00
$0.00
$0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

IMPORTANT NOTICE: TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED IN BANKRUPTCY, IS SUBJECT TO THE AUTOMATIC STAY OR IS PROVIDED
FOR IN A CONFIRMED PLAN, THIS COMMUNICATION IS FOR REGULATORY COMPLIANCE AND/OR INFORMATIONAL PURPOSES ONLY, AND DOES NOT
CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO IMPOSE PERSONAL LIABILITY FOR SUCH OBLIGATION.

Past Payments Breakdown
Principal
Interest
Escrow (Taxes and Insurance)
Fees**
Late Charges
Partial Payment Unapplied*
Total

Important Messages

Paid Last
Month

Paid Year
to Date

$263.07
$578.37
$1,823.98
$20.00
$8.41
$0.00
$2,693.83

$263.07
$578.37
$1,823.98
$20.00
$8.41
$0.00
$2,693.83

*Partial Payments: Any funds received that are less than a full periodic
payment may be applied to your account, promptly returned to you, or held
in a non-interest bearing account until enough funds are received to apply
to a full periodic payment.
**Amounts listed here will include other/optional products, if applicable.

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**This balance represents the known Amount Due as of the printing of this
statement. If you are delinquent, this balance may not represent full
reinstatement of your obligation. Please contact us regarding your upto-date reinstatement balance at 1-855-690-5900.

Additional information is provided on the back of the statement.
DETACH AND RETURN BOTTOM PORTION WITH YOUR PAYMENT

Amount Due
$1,268.36

Due By 03/01/24:

Internet Reprint

LOAN NUMBER:

0126989383

$8.41 late fee will be charged after 03/16/24

EARL V CO

Your payment is scheduled to automatically draft from your
bank account. This bill is for informational purposes only.

Additional Principal

$

.

Additional Escrow

$

.

Late Charge

$

.

To change mailing address and/or contact information,
check here and complete form on back.

x35912.01

Perf Page

CONTACT INFORMATION
To submit a RESPA Qualified Written Request (“QWR”), assert an error or request information
about the servicing of your loan, you must use the designated address below.
PAYMENT
PROCESSING
Freedom Mortgage
P.O. Box 6656
Chicago IL 60680-6656

TO SUBMIT A RESPA
QUALIFIED WRITTEN REQUEST
(“QWR”)
Freedom Mortgage
P.O. Box 50428
Indianapolis, IN 46250-0401

OVERNIGHT
Freedom Mortgage
10500 Kincaid Drive, Suite 111
Fishers, IN 46037-9764

CUSTOMER CARE: 855-690-5900

or

REQUEST FOR PAYOFF/
GENERAL CORRESPONDENCE
Freedom Mortgage
P.O. Box 50485
Indianapolis, IN 46250-0485
Fax: 877-233-5843

WEBSITE: www.freedommortgage.com

In case of errors or questions about your electronic transfers telephone us at 855-690-5900 or write us at P.O. Box 50428, Indianapolis, IN 46250-0401 as
soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt. We must
hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.
(1)Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more
information.
(3) Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the
amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

IMPORTANT INFORMATION

PAYMENT INFORMATION

REAL ESTATE TAXES are paid from a tax bill issued by your local taxing authority. It is not necessary
for you to forward any regular tax bills to us. If we need your tax bill, we will request it from you in
writing. If you receive a delinquent, adjusted, or corrected tax bill please forward it to: Freedom
Mortgage, P.O. Box 22670, Rochester, NY 14692. You may also fax it to 817-826-0410.
Supplemental bills are often issued in addition to yearly real estate tax bills and are your
responsibility to pay. They are not collected through your escrow account.

Payment Crediting - If you are enrolled in automatic payment drafting, your payment will
be credited each month on the date selected at the time of enrollment. One-time payments
made online or by phone will be credited effective the date you selected when submitting
the payment. Please note that it may take up to 1-2 business days for your payment to be
displayed in your transaction history.

insurance coverage for your property. Hazard insurance includes Fire and Extended coverage
and, where required, Flood Insurance. To protect our mutual interest in the property, we require
evidence of proper insurance. If you fail to provide evidence, we will purchase Lender Placed
coverage on your behalf, not including your equity, and charge your escrow account.
Policy renewals and invoices are due thirty (30) days prior to the expiration of the existing policy.
Please notify your agent to ensure that we are listed on the policy and that a copy, which
includes your loan number, is either faxed to our Insurance Department at 866-751-9324 or
mailed to: Freedom Mortgage Corporation, ISAOA / ATIMA, P.O. Box 5050, Troy, MI 480075050. For general questions regarding hazard insurance, please call 866-222-9005.
For questions regarding Hazard Loss Drafts, please call 888-810-7318. You may also fax any
required Loss Draft information to 866-751-9365.

IF YOU ARE EXPERIENCING FINANCIAL DIFFICULTIES and would like to speak to one of
our counselors please call 855-690-5900.

U.S. MILITARY Servicemembers on “active duty” or “active service” or a spouse or dependent

of such servicemember may be entitled to certain legal protections and debt relief pursuant to
the Servicemembers’ Civil Relief Act (“SCRA”). If you are a servicemember on active duty or
believe you are eligible for such SCRA benefits, please notify our Customer Care Department
at 855-690-5900.

Phone payments or Automatic (ACH) payments - To pay by phone please call the Customer
Care number provided above. To establish or cancel your ACH program, please contact
Customer Care at the number provided above at lease three business days prior to the next
scheduled draft date.
Web - You can make your payments online, simply visit us at www.freedommortgage.com.
Unapplied / Partial Payments - Any funds received that are less than a full periodic payment
may be applied to your account, promptly returned to you, or held in a non-interest-bearing
account until enough funds are received to apply to a full periodic payment.
Payoff Quote - This statement does not contain the amount required to pay your loan in full
and may not reflect all third-party fees (if applicable) or all amounts due. To obtain a payoff
quote, please send your request in writing to the address or fax # provided above or via email
to FreedomPayoffRequest@FreedomMortgage.com. You may also contact Customer Care at
the number provided above.
Payments by Mail - To avoid processing delays make your check or money order payable to
Freedom Mortgage and include your loan number. Please do not send cash or correspondence
with your payment.
Avoid Late Charges and Protect Your Credit - We may furnish information about your
account to credit bureaus. Late payments, missed payments, or other defaults on your account
may be reflected in your credit report. Any payments received after the late payment date
noted on your coupon will be assessed a late fee.
Additional Princi pal Payments - Depending upon the terms of your loan agreement, you
may be able to pay additional principal on your loan. We must receive additional principal
payments on or before your payment due date. Include additional principal with your regular
payment and indicate the amount in the space provided on your coupon.
Check Processing - When you provide a check as payment, you authorize us either to use the
information from your check to make a one-time electronic fund transfer from your account
or to process the payment as a check transaction. When we use information from
your check to make an electronic funds transfer, funds may be withdrawn from your
account as soon as the same day we receive your payment and you will not receive
your check back from your financial institution.

LOSS MITIGATION OPTIONS
If you are experiencing financial difficulties, we are here to help you. Call us today to learn more about your Loss Mitigation options at
855-690-5900 or by visiting our website at www.freedommortgage.com.
The right option for you depends on your individual circumstances. If you provide all required information and documentation about
your situation, we can determine if you qualify for temporary or long-term relief, including solutions that may allow you to stay in your
home (refinance, repayment, forbearance, loan modification) or leave your home while avoiding foreclosure (short sale or deed-in-lieu of
foreclosure).
You may obtain a list of HUD approved, non-profit homeowners counseling organizations serving your residential area by calling toll free
800-569-4287 or by visiting the HUD website at www.hud.gov.
Freedom Mortgage is registered with the Superintendent of the New York Department of Financial Services. You may file complaints and/or obtain further information
from the New York State Department of Financial Services 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.
Freedom utilizes third party providers to perform actions and activities pertaining to mortgage loan servicing on our behalf from time to time. As long as Freedom is
responsible for servicing your mortgage loan, we remain responsible for all servicing actions related to your mortgage loan.

Change of Mailing Address / Contact Information
Please provide your contact info