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Escrow Account Disclosure Statement - 2025-10-08 - 85-104 Alawa Pl, Waianae, HI 96792.pdf

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loanoepot P.O. Box 3004 Monroe, Wl 53566-3804 Date: 10/08/25 Account Number: 6003118780 NMLS«17M57 Important Document Enclosed 0000541 01 MB 0.67 "AUTO T3 0 2205 27330-894100 -C01-P00541-I ll,llll,l,lll^l,l,llll,l,lllllllllllllllllll,ll,lllll,,IT"l,l, MANUEL BARAJAS 500 WESTOVER DR 33191 SANFORD NO 27330-8941 ESCROW ACCOUNT DISCLOSURE SUMMARY Analysis Review Period: 12/01/24 -11 /30/25 Property Address: 85 -104 ALAWA PL WAIANAE HI 96792 Next Payment Due: 10/01/25 IMPORTANT INFORMATION ABOUT YOUR

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loanoepot

P.O. Box 3004
Monroe, Wl 53566-3804

Date: 10/08/25

Account Number: 6003118780

NMLS«17M57

Important Document Enclosed

0000541

01 MB 0.67 "AUTO T3 0 2205 27330-894100

-C01-P00541-I

ll,llll,l,lll^l,l,llll,l,lllllllllllllllllll,ll,lllll,,IT"l,l,
MANUEL BARAJAS
500 WESTOVER DR 33191
SANFORD
NO 27330-8941

ESCROW ACCOUNT DISCLOSURE SUMMARY
Analysis Review Period: 12/01/24 -11 /30/25
Property Address: 85 -104 ALAWA PL WAIANAE HI 96792
Next Payment Due: 10/01/25

IMPORTANT INFORMATION ABOUT YOUR MORTGAGE ESCROW ACCOUNT
Each year, your escrow account is reviewed to ensure the escrow portion of your monthly mortgage payment covers
your property taxes and/or insurance premiums due for the coming year. Please take a moment to review your new
monthly escrow and mortgage payment details.

ESCROW REVIEW (12/01/24-11/30/25)

CURRENT MONTHLY PAYMENT
Payment Item! :ation

Principal & nterest (P&l)

Change Actual Disbursement

Current

Escrow Item

Anticipated Disbursement

$2,843.71

Insurance

$1,828.00

$1,865.00

$3,693.00

Taxes

$1,772.40

$49.00

$1,821.40

Mortgage Insurance ____________ $0.00

$0.00

$0.00

Escrow Payment

$335.88

Miscellanec us

$0.00

w
i\j

$5,514.40

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If your analysis resulted in a shortage and you voluntarily elect to pay the total amount of the shortage in full, detach and mail the coupon at the end of this statement,
along with you check or money order.

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If your analysis resulted in a surplus over $15, we will mail you a refund check within 30-days of this statement date. If the surplus is less than $15, the surplus will be
applied toward 5 the new monthly payment amount.

§

Total Monthly Payment

$3,179.59

Total

$3,600.40

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Please note, y )ur monthly escrow payment amount is subject to change due to an increase or decrease in your taxes and/or insurance premiums, even if

you elect to p jy the escrow shortage amount in full. Once the shortage payment is received please allow up to 7 business days for the shortage portion of
the payment o be removed from the payment collection.

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loan&epot
* NMLS4174457

P.O. Box 3004
Monroe, Wl 53566-3804

Call Customer Service at
(844) 502-2852

Visit loandepot.com to view account details,
escrow disbursements or make payments

ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT
As you know, we are required to maintain an escrow account which is used to pay your real estate taxes and/or insurance
premiums. This account must be analyzed annually to determine whether enough funds are being collected monthly, and
whether the account has a shortage or surplus based on the anticipated activity.

CURRENT MONTHLY PAYMENT
Payment Itemization

NEW MONTHLY PAYMENT Beginning 12/01/25
Amount

Principal & Interest (P&l)

Payment Itemization

$2,843.71

Amount

Principal & Interest (P&l)

Escrow Payment

$335.88

Escrow Payment

Miscellaneous

$0.00

Escrow Shortage

Total Monthly Payment

$3,179.59

New Monthly Payment

$2,843.71

$463.62
$305.37
$3,612.70

* You have the option to pay your shortage amount in full. To learn more about this option, see the last page of this package.

Adjustable Rate Mortgage Customers: If your loan has an adjustable interest rate your monthly principal and interest payment may change prior to your Escrow Analysis.
TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING, THIS LOAN STATEMENT IS
FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT INDEBTEDNESS AS YOUR PERSONAL
OBLIGATION.
Should you have any questions about this Escrow analysis, please call our Customer Service Department at (844) 502-2852.

ANTICIPATED ANNUAL DISBURSEMENTS
These are the escrow items we anticipate we will collect for and pay on
your behalf in the upcoming 12-month period. The dollar amount shown
may be the last amount actually paid for that item, or may project the
next amount due as defined be Federal law. Based on these anticipated
disbursements, the amount of your escrow deposit is calculated and
displayed here.

HAZARD INS
INSURANCE
COUNTY TAX________
Annual Disbursements:
Monthly Amount:

$703.00
$2,990.00
$1,870.40
$5,563.40
$463.62

ACCOUNT HISTORY
The following statement of activity in your escrow account from December 01,2024 through November 30,2025 displays
actual activity as it occurred in your escrow account during that period. Your monthly payment was $3,179.59 and $335.88
went into your escrow account. If you received Account Projections with a prior analysis, they are included again here for
comparison.
NJ
NJ

DISBURSEMENTS

PAYMENTS

8

BALANCES

o

o

Date

Projected

Actual

Projected

Projected Balance

Actual Balance

Beg. Balance:

$2,414.18

$1,983.93

$703.00* HAZARD INS

$2,714.21

$1,616.81

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CD
co
co

Actual

Description

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o

£
o

12/24

$300.03

$335.88*

$0.00

o
o

12/24

$0.00

$0.00

$0.00

$2,990.00* INSURANCE

$2,714.21

-$1,373.19

01/25

$300.03

$335.88*

$577.00

$0.00* HAZARD INS

$2,437.24

-$1,037.31

01/25

$0.00

$0.00

$1,251.00

$0.00* WIND PMT

$1,186.24

-$1,037.31

02/25

$300.03

$335.88*

$886.20

$886.20 COUNTY TAX P

$600.07

-$1,587.63

03/25

$300.03

$335.88*

$0.00

$0.00

$900.10

-$1,251.75

04/25

$300.03

$335.88*

$0.00

$0.00

$1,200.13

-$915.87

05/25

$300.03

$335.88*

$0.00

$0.00

$1,500.16

-$579.99

06/25

$300.03

$335.88*

$0.00

$0.00

$1,800.19

-$244.11

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