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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 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 ?o 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. g 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 o o I g o (JI CD <D 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. Page 1 of 4 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 I CD co co Actual Description o 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 Page 2 of 4 loan Depot P.O. Box 3004 Monroe, Wl 53566-3804 NMLS«174457 Visit loandepot.com to view account details, escrow disbursements or make payments Call Customer Service at (844) 502-2852 ACCOUNT HISTORY (CONTINUED) BALANCES DISBURSEMENTS PAYMENTS Actual Description Projected Balance Actual Balance $935.20* COUNTY TAX P $2,100.22 -$843.43 $0.00* COUNTY TAX P $1,514.05 -$507.55 $0.00 $0.00 $1,814.08 -$171.67 $335.88*E $0.00 $0.00E $2,114.11 $164.21 $300.03 $335.88*E $0.00 $0.00E $2,414.14 $500.09 $3,600.36 $4,030.56 $3,600.40 $5,514.40 Date Projected Actual Projected 07/25 $300.03 $335.88* $0.00 08/25 $300.03 $335.88* $886.20 09/25 $300.03 $335.88* 10/25 $300.03 11/25 TOTALS * This amount indicates a difference from projected activity either in the amount or the date. E This amount indicates that the payment or disbursement has not yet occurred but is estimated to occur as shown. Last year we anticipated that Disbursements would be made from your Escrow Account during the period equaling $3,600.40. Under federal law, your lowest monthly balance should not have exceeded $600.07, or 1 /6th of total anticipated payments from the account, unless your loan contract or state law specifies a lower amount. Under your loan contract and state law your lowest balance should not have exceeded $600.07. ACCOUNT PROJECTIONS The following estimate of activity in your escrow account from December 2025 through November 2026 is provided for your information. All payments we anticipate receiving as well as disbursements we anticipate making on your behalf are included, along with he Projected Escrow Account Balance, derived by carrying forward your current actual escrow balance. The Required Escrow Ac< ount Balance displays the amount actually required to be on hand as specified by federal law, state law and your loan documents, and may include a cushion of up to 1 /6th of your Annual Disbursements. Please retain this statement for c omparison with the actual activity in your account at the end of the next escrow account computation year. PAYMENTS Date DISBURSEMENTS Projected Projected Description Beg. Balance: BALANCES ro w Projected Balance Required Balance $500.09 $4,164.57 ?o g o o <J1 12/25 $463.62 01/26 $463.62 01/26 $0.00 02/26 $463.62 03/26 $463.62 04/26 $0.00 $963.71 $4,628.19 o $724.33 $4,388.81 o q -$2,265.67 $1,398.81 -$2,737.25 $927.23 $0.00 -$2,273.63 $1,390.85 $463.62 $0.00 -$1,810.01 $1,854.47 05/26 $463.62 $0.00 -$1,346.39 $2,318.09 06/26 $463.62 $0.00 -$882.77 $2,781.71 07/26 $463.62 $0.00 -$419.15 $3,245.33 $703.00 HAZARD INS $2,990.00 WIND PMT $935.20 COUNTY TAX P ? co o Page3 of 4 loaiuiepot * NMI.S417M57 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 ACCOUNT PROJECTIONS (CONTINUED) PAYMENTS DISBURSEMENTS Date Projected Projected 08/26 $463.62 $935.20 COUNTY TAX P 09/26 $463.62 10/26 Description BALANCES Projected Balance Required Balance -$890.73 $2,773.75 $0.00 -$427.11 $3,237.37 $463.62 $0.00 $36.51 $3,700.99 11/26 $463.62 $0.00 $500.13 $4,164.61 TOTALS $5,563.44 $5,563.40 Your Projected Escrow Account Balance as of November 30, 2025 is $500.09. Your Required Beginning Escrow Balance according to this analysis should be $4,164.57. This means you have a shortage of $3,664.48. Per Federal law, the Shortage may be collected from you over 12 months. We will collect the Shortage over 12 months. Once during this period, your Required Escrow Account Balance should be reduced to $927.23 as shown in February. The amount represents the cushion selected by us as allowed by your loan contract, federal and state law. This communication is from a debt collector and is an attempt to collect a debt, any information obtained will be used for that purpose. Notification of Error, Request for Information, Qualified Written Requests, or Billing Error Notifications (Home Equity Lines of Credit only) concerning your loan must be directed to: loanDepot.com, LLC P.O. Box 251027 Plano, TX 75025. rc ro so o o o § o I o o U1 <o o Page 4 of 4 loanoepot * NMIS«17t457 Due By Date: 12/01/25 P.O. Box 3004 Monroe, Wl 53566-3804 Account Number: 6003118780 --------------------------------------SHORTAGE AMOUNT: $3,664.48 Amount Enclosed: PAYMENT PROCESSING CENTER 6531 Irvine Center Dr., Suite 100 Irvine, CA 92618 MANUEL BARAJAS 500 WESTOVER DR 33191 SANFORD NO 27330 Pleas© detach above and return with your paymer KNOW YOUR OPTIONS Your analysis resulted in a shortage. Option 1, you can voluntarily elect to pay the total amount of the shortage in full, detach and mail the coupon at the top of this page, along with your check or money order. Option 2, you can elect to break the shortage up over 12 months by adding it to your monthly payment. See your full details below: OPTION 1: PAY THE SHORTAGE IN FULL Pay the escrow shortage of $3,664.48 in full by 12/01/25. Your new monthly payment will be $3,307.33, which will begin on 12/01 /25. To select this option, detach and return the coupon above with your payment. $2,843.71 N> rv $463.62 O ___________________________ $000 o o $3,307.33 01 Principal and/or Interest Escrow Payment Miscellaneous Total Monthly Payment s o o I o o U1 ID OPTION 2: PAY THE SHORTAGE OVER 12 MONTHS Pay the escrow shortage of $3,664.48 in 12 payments of $305.37. These shortage payments will be included in your new monthly payment of $3,612.70, which will begin on 12/01/25. No action is required to select this option. Principal and/or Interest $2,843.71 Escrow Payment $463.62 Shortage $305.37 Miscellaneous$000 Total Monthly Payment $3,612.70