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Escrow Account Disclosure Summary Analysis Review Period: 12/01/2023 Through 11/30/2024 APBNDKGPDLCJFPEKAJEIDOAPGIHPDKHK AJAJHKMEAGLPPBNKAJJBKJKONHKFEAEK AEIKMFPEAKHAMMIKAHEADCGHNMHFJBLK AOIAGECACKGKOAMKAIIAOOIMAKEICOOK ANBKDNEKCODNGPFKAOBOFMHKCIFIEJCK ACAJPDMBAOLAMOMKACDLCMODMGDFECPK ACDCKLGDJGLNDHBKAKFCAIMDDPDGOBGK AOOKGEEIAGIKGMKKAMAGOKMMKMAACKIK P.O. Box 251612 Plano, TX 75025 10/03/2024 6003118780 Current Date: Loan Number: Property Address: 85 -104 ALAWA PL WAIANAE, HI 96792 Next Payment Due 12/01/24 007002-012144-000003-012144 2104254 4161ES01_1 85-104 ALAWA PL WAIANAE, HI 96792-2103 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 for 12/01/2023 through 11/30/2024 Current Monthly Payment Payment Itemization Principal & Interest (P&I) Escrow Payment Miscellaneous Total Monthly Payment Current $2,843.71 $297.76 $0.00 $3,141.47 Escrow Item Insurance Taxes Mortgage Insurance Total Anticipated Disbursement* $1,674.00 $1,625.06 $0.00 $3,299.06 Change $1,097.00 $73.66 $0.00 Actual Payment $577.00 $1,698.72 $0.00 $2,275.72 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 bottom of this page, along with your check or money order. 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 towards the next payment. Know Your Options Option 1: Pay the shortage in full Option 2: Pay the shortage over 12 months Pay the escrow shortage of $430.25 in full by 12/01/24. Your new monthly payment will be $3,143.74, which will begin on 12/01/24. To select this option, detach and return the coupon below with your payment. Pay the escrow shortage of $430.25 in 12 payments of $35.85. These shortage payments will be included in your new monthly payment of $3,179.59, which will begin on 12/01/24. No action is required to select this option. Principal and/or interest $2,843.71 Principal and/or interest $2,843.71 Escrow Payment $300.03 Escrow Payment $300.03 Miscellaneous $0.00 Miscellaneous $0.00 Total Monthly Payment $3,143.74 Total Monthly Payment $3,179.59 ! Please note, your 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 pay 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 to be removed from the payment collection. NOTE Visit https://servicing.loandepot.com/ to view all your escrow disbursements, account details, or to make payments or contact our Customer Service Department at (866) 790-4254 Monday through Friday from 7:00 a.m. to 7:00 p.m. and Saturday from 8:00 a.m. and 5:00 p.m. CST. PLEASE RETURN THIS PORTION WITH YOUR ESCROW PAYMENT MANUEL BARAJAS 85-104 ALAWA PL WAIANAE, HI 96792-2103 PAYMENT PROCESSING CENTER 6531 Irvine Center Dr., Suite 100 Irvine, CA 92618 Date: Loan Number: Shortage Amount: Amount Enclosed: Page 1 of 1 10/02/2024 6003118780 $430.25 ________________ 146908882 007002-012145-000003-012145 2104254 4161ES01_1 APBNDKGPDLCJFPEKAJEIDOAPGIHPDKHK AJAJHKMEAGLPPBNKAJJBKJKOFHKFEAEK AEIKMFPEAKHAMMIKAHEADCHGMMHGLALK AOIAGECACKGKOAMKAIIAGOEKEAAOOEKK ANBKDNEKCODNGPGKAODPBLEKGMELDJCK ACAJPDMBAOJCGAPKAADJAIMLLCEGACPK ACDCKLGBCCGGFFNKAOJBFMAHNPOAPJGK AOOKGOGAIOAGEKAKAEICKOIIGEIICCIK P.O. Box 251612 Plano, TX 75025 Date: 10/02/2024 Loan Number: 6003118780 Visit loanDepot.com to make a payment online. Customer Service: 866-258-6572 MANUEL BARAJAS 85-104 ALAWA PL WAIANAE, HI 96792-2103 PAGE 1 OF 4 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. PRESENT & CURRENT LOAN PAYMENT Your Present Payment Consists of: Your New Loan Payment Consists of: Principal & Interest (P&I) $2,843.71 Principal & Interest (P&I) Escrow Payment $297.76 Escrow Payment Miscellaneous $0.00 Escrow Shortage Amount Total Loan Payment $3,141.47 New Loan Payment Beginning 12/01/24 $2,843.71 $300.03 $35.85 $3,179.59 Important Notes: 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 866-258-6572. 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 by Federal law. Based on these anticipated disbursements, the amount of your escrow deposit is calculated and displayed here. Bills due in the upcoming year: Annual Disbursements: One-Twelfth/Monthly Amount: COUNTY TAX PAYMENT HAZARD INSURANCE WIND PMT $1,772.40 $577.00 $1,251.00 $3,600.40 $300.03 Continued ACCOUNT HISTORY The following statement of activity in your escrow account from December 01, 2023 through November 30, 2024 displays actual activity as it occurred in your escrow account during that period. Your monthly payment was $3,164.31 and $297.76 went into your escrow account. If you received Account Projections with a prior analysis, they are included again here for comparison. Month Payments Projected Actual Projected Disbursements Actual Balances Projected Escrow Account Balance Description Beginning Balance: December December January January January February March April May June July August September October November $274.92 $0.00 $274.92 $0.00 $0.00 $274.92 $274.92 $274.92 $274.92 $274.92 $274.92 $274.92 $274.92 $274.92 $274.92 $297.76* $0.00 $297.76* $0.00 $0.00 $297.76* $297.76* $297.76* $297.76* $297.76* $297.76* $297.76* $297.76* $297.76*E $297.76*E $0.00 $0.00 $577.00 $1,097.00 $0.00 $812.53 $0.00 $0.00 $0.00 $0.00 $0.00 $812.53 $0.00 $0.00 $0.00 $577.00* $1,251.00* $0.00* $0.00* $812.52* $0.00* $0.00 $0.00 $0.00 $0.00 $886.20* $0.00* $0.00 $0.00E $0.00E HAZARD INS INSURANCE HAZARD INS WIND PMT COUNTY TAX P COUNTY TAX P COUNTY TAX P COUNTY TAX P $2,211.61 $2,486.53 $2,486.53 $2,184.45 $1,087.45 $1,087.45 $549.84 $824.76 $1,099.68 $1,374.60 $1,649.52 $1,924.44 $1,386.83 $1,661.75 $1,936.67 $2,211.59 Actual Escrow Account Balance $1,937.53 $1,658.29 $407.29 $705.05 $705.05 -$107.47 $190.29 $488.05 $785.81 $1,083.57 $1,381.33 $792.89 $1,090.65 $1,388.41 $1,686.17 $1,983.93 An asterisk (*) beside an amount indicates a difference from projected activity either in the amount or the date. The letter E beside an 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 $3,299.06. Under federal law, your lowest monthly balance should not have exceeded $549.84, 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 $549.84. 007002-012146-000003-012146 2104254 4161ES01_1 Continued PAGE 3 OF 4 APBNDKGPDLCJFPEKAJEIDOAPGIHPDKHK AJAJHKMEAGLPPBNKAJJBKJKGNHKFEAEK AEIKMFPEAKHAMMIKAHEADCHEMMGHMDLK AOIAGECACKGKOAMKAIIAIKOKGMCIOCIK ANBKDNEKCODNGPEKAMAKBMDLGNHPEJCK ACAJPDMBAOIAENGKACNHHAHEICAOEOPK ACDCKLECLDILNJFKAKAPOHEMCGDPBBGK AOOKMGMAAOEKAOGKAEAOKOIAKEIAKKIK ACCOUNT PROJECTIONS The following estimate of activity in your escrow account from December 2024 through November 2025 is provided for your information. All payments we anticipate receiving as well as disbursements we anticipate making on your behalf are included, along with the Projected Escrow Account Balance, derived by carrying forward your current actual escrow balance. The Required Escrow Account 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 comparison with the actual activity in your account at the end of the next escrow account computation year. Anticipated Amount Month Payments Projected Actual Projected Disbursements Actual Description Balances Projected Escrow Account Balance Beginning Balance: December January January February March April May June July August September October November $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $300.03 $0.00 $577.00 $1,251.00 $886.20 $0.00 $0.00 $0.00 $0.00 $0.00 $886.20 $0.00 $0.00 $0.00 HAZARD INS WIND PMT COUNTY TAX P COUNTY TAX P Required Escrow Account Balance $1,983.93 $2,414.18 $2,283.96 $2,006.99 $755.99 $169.82 $469.85 $769.88 $1,069.91 $1,369.94 $1,669.97 $1,083.80 $1,383.83 $1,683.86 $1,983.89 $2,714.21 $2,437.24 $1,186.24 $600.07 * $900.10 $1,200.13 $1,500.16 $1,800.19 $2,100.22 $1,514.05 $1,814.08 $2,114.11 $2,414.14 Your Projected Escrow Account Balance as of November 30, 2024 is $1,983.93. Your Required Beginning Escrow Balance according to this analysis should be $2,414.18 This means you have a shortage of $430.25. Per Federal law, the Shortage may be collected from you over 12 months or more unless it is less than 1 month's deposit. If so we may require payment within 30 days. We will collect the Shortage over 12 months. Once during this period, your Required Escrow Account Balance should be reduced to $600.07 as shown in February. The amount represents the cushion selected by us as allowed by your loan contract, federal and state law. Continued This communication is from a debt collector and is an attempt to collect a debt, any information obtained will be used for that purpose. Notifications of Error, Requests for Information, Qualified Written Requests, or Billing Error Notifications (Home Equity Lines of Credit only) concerning your loan must be directed to: loanDepot P.O. Box 251027 Plano, TX 75025