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Monthly Account Statement - 2026-03-10 - 86 Madison Ave, Albany, NY 12202.pdf

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PHH Mortgage Services · PO BOX 24736 West Palm Beach FL 33416 To obtain information about your account: Questions/Concerns: Website: www.MortgageQuestions.com Phone: 1-866-672-5706 Hours: Monday through Friday 8:00AM to 9:00PM ET and Saturday 8:00AM to 5:00PM ET Email: CustomerCare@MortgageFamily.com Fax: 1-856-917-8300 Address: See page header BONEY ENTERPRISES LLC PO BOX 12421 ALBANY, NY 12212 Account Number: Payment Due Date: Monthly mortgage statement dated: March 10, 2026 Amount Due: 8016191

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PHH Mortgage Services |PO BOX 24736
West Palm Beach FL 33416
To obtain information about your account:
Questions/Concerns:
Website: www.MortgageQuestions.com
Phone: 1-866-672-5706
Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET
Email: CustomerCare@MortgageFamily.com
Fax: 1-856-917-8300
Address: See page header

BONEY ENTERPRISES LLC
PO BOX 12421
ALBANY, NY 12212

Account Number:
Payment Due Date:

Monthly mortgage statement dated: March 10, 2026

Amount Due:

8016191218
4/1/2026

$2,299.49

If payment is received after 4/11/2026, a $93.17 late fee may be charged.

Account Information

Property Address

86 MADISON AVE
ALBANY, NY 12202-2034
$151,921.38
7.9900 %
Yes
$929.16
$0.00
8/1/2051

Outstanding Balance (not payoff amount)
Current Interest Rate
Prepayment Penalty
Escrow Balance
Suspense Balance
Maturity Date

Past Payments Breakdown
Principal
Interest
Escrow (Taxes and/or Insurance)
Fees
Optional Products
Partial Payment (Unapplied)*
Total

Paid Since Last Statement
$154.84
$1,012.57
$696.07
$0.00
$0.00
$0.00
$1,863.48

Transaction Activity

Posted
Date
02/18
03/09

Received/
Credited
Date
03/09

Description

Paid Year to Date
$461.44
$3,040.79
$2,088.21
$0.00
$0.00
$0.00
$5,590.44

Principal ($)

Flood Insurance ABD INSURANCE AND
Payment

$0.00
$154.84

Explanation of Amount Due

Principal
Interest
Escrow (Taxes and/or Insurance)
Optional Products/Other
Regular Monthly Payment
Total New Fees and Charges
Outstanding Unpaid Late Charges, Returned Item Charges, Shortages
and Other Fees
Assessed Expenses
Past Due Payment
Total Amount Due

$155.87
$1,011.54
$696.07
$0.00
$1,863.48
$0.00
$436.01
$0.00
$0.00
$2,299.49

Important Messages
The account is presently due for the 4/1/2026 payment.
Your last full payment was applied to the payment due 03/01/2026.
*Partial Payments: If the account is presently past due, 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.
Please note that this is not the payoff quote and any amount less than the payoff quote
will be returned. Please contact us for payoff quote.

Interest ($)

Escrow ($)

$0.00
$1,012.57

Late Charges, Suspense &
Optional
Total ($)
Shortages &
Other ($)
Products ($)
Fees ($)
-$141.02
$0.00
$0.00
$0.00
$141.02
$696.07
$0.00
$0.00
$0.00
$1,863.48

Important Information
Reminder! PHH Mortgage will be changing our name to Onity Mortgage soon. There is nothing you need to do now. Go to our website for more information.

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Complete this coupon; tear it off and return it with the check. Please
write the account number on the check and make it payable to PHH
Mortgage Services.

Account Number : 8016191218
BONEY ENTERPRISES LLC

Payment Due Date
Regular Monthly Payment
Total New Fees and Charges
Outstanding Unpaid Late Charges, Returned
Item Charges, Shortages and Other Fees
Assessed Expenses
Past Due Payments
Total Amount Due

4/1/2026
$1,863.48
$0.00
$436.01
$0.00
$0.00
$2,299.49

If you’re paying more than the amount due, please tell us where you want us to apply the extra amount. If we do not
receive your instructions, we’ll apply the extra amount first to unpaid late charges and then to principal.





















PHH Mortgage Services
PO BOX 660093
DALLAS TX 75266-0093

Extra Principal
Extra escrow
Unpaid late charges
Other (specify) ______
Total check enclosed

$_________
$_________
$_________
$_________
$_________

99 954 8016191218 0000195665 0000186348 9

For your information

PHH Mortgage Services will perform all servicing activities for the mortgage loan.
Pay by phone or web:
You can make a payment by phone at 1-800-449-8767 or by visiting the website shown on the
front of this statement to make a one-time payment. You may also make one time additional
principal payments as long as the account is current. Payments made before 9 PM ET Monday
through Friday (excluding holidays) will be processed and applied to the account the same day
the payment is made; the payment will be effective the day it was made. Payments made after
9 PM ET Monday through Friday, on weekends, and on holidays will be processed and applied
to the account the next business day, The payment will still be effective the day it was made.
Please note a fee may apply.
How we process your payment
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 fund 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. If you would like to opt out of this program or if you have any questions, please call
us at the phone number shown on the front of this statement.
Can I pay additional principal at any time?
Yes.
Additional principal payments can be deducted with your automatic monthly payment from your
designated checking or savings account.
The payment coupon on your statement also allows you to indicate an additional principal
payment with the monthly payment.
You can also make a one-time additional principal payment by mailing a check to:
PHH Mortgage
Payment Processing
PO Box 660093
Dallas, TX 75266-0093
Please make sure to put both your account number and indicate “Principal Only” in the memo
section of your check. Your account must be current in order to make an additional principal
payment.
Receipt and Crediting of Payments
Payments received Monday-Saturday at the address on the payment coupon provided will be
credited the date of receipt if 1) in US dollars in the form of a check drawn on a US bank, and
2) received in the envelope provided with the payment coupon enclosed. All other mailed
payments are considered to be non-conforming and may not be credited for up to five business
days. Please write the account number on the check. Do not send cash or attach the check to
the payment coupon. Payments that otherwise comply with the criteria stated but are received
on legal holidays or on a Sunday may not be credited until the next business day.
Information about taxes
If you have an escrow account, we’ll arrange with your tax authority to have your regular tax
bills sent directly to us. However, some tax authorities may continue to send your regular tax
bills to you directly. Your tax authority will send other types of tax bills, such as corrected,
supplemental or special assessment bills, directly to you.
If you have an escrow account and you receive a tax bill, write account number on the bill and
send it as soon as possible to:
PHH Mortgage Services
Attention: Tax Department
PO Box 24665
West Palm Beach, FL 33416-4665
For information about your escrow account, such as the date taxes were paid, the amount of
taxes paid, or the property description used for tax purposes, visit the website shown on the
front of this statement.
Information about hazard insurance
Under the terms of the mortgage, you must maintain a property insurance policy with the
appropriate coverage and deductible amounts.
The coverage must include homeowner/fire, windstorm and earthquake coverage if required. If
the home is located in a FEMA designated flood zone, you will also be required to maintain
appropriate flood insurance.
If you have an escrow account, the annual premiums for your hazard insurance will be paid
from your escrow account. If you do not have an escrow account, you must provide us a copy
of your current hazard insurance policy and payment receipt. If you do not provide us this
information, we’ll obtain hazard insurance at your expense. The coverage we obtain may not
be comparable to a policy that you would choose.

Contact information for general insurance
Mailing address:
PHH Mortgage Services
Attention: Insurance Department
PO Box 5954
Springfield, OH 45501-5954

Phone: 1-888-882-1855
Fax: 1-937-525-4210

For insurance updates, visit www.mycoverageinfo.com/mortgagefamily or send via email to
MortgageFamily@MyCoverageinfo.com.
Contact information for property damage and loss draft checks
Mailing address:
Phone: 1-888-882-1855
PHH Mortgage Services
Attention: Loss Draft Department
PO Box 7459
Springfield, OH 45501-7459
Requests for information and Notices of Error, including Qualified Written Requests
If you wish to request information or assert an error relating to the servicing of your mortgage
loan, including any Qualified Written Requests, you must use the address below and include
your name, your mortgage loan account number, property address and a statement of either
the information you are requesting or the error you believe has occurred:
PHH Mortgage Services
PO Box 24695
West Palm Beach, FL 33416
Fees
The following is a list of fees we charge for the services indicated. We may charge a fee for
this service where permitted by applicable law. Additional fees may apply for services not
listed. For additional information regarding fees, you may contact us at the number on the front
of your statement.
Loan History
Wire Fee
Payoff Quote
Paying by Web or
Automated Phone

$0 - $10.00
$0 - $25.00
$0 - $30.00
$0.00

Returned Payment Fee
Lien Release
Certified Mail Fee
Paying with Agent

$0 - $25.00
$0 - $15.00
$0 - $15.00
$0 - $12.50

Commercial accounts are not subject to the above listed fees. Commercial fees are assessed
in accordance with applicable statutes, regulations, and as agreed upon by the interested
parties.
Information about Mortgage Counseling or Assistance If you would like contact information for

counseling agencies or programs in your area, call the U.S. Department of Housing and Urban
Development (HUD) at 1-800-569-4287 or visit www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.
Additional educational resources are available at Fannie Mae’s Know Your Options website,
https://www.fanniemae.com/.
Additional payment assistance options are also available by contacting PHH Mortgage
Services.
State Disclosures
Exclusively for homeowners in New York, you may file complaints about your Servicer with the
New York State Department of Financial Services. You may also 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/. PHH is exempt from registration with the Superintendent.
For New York City consumers, PHH has language access services available. This includes
customer service options to speak with someone in a language other than English and the
ability to obtain a verbal translation of any correspondence. Also, translations and descriptions
of commonly-used debt collection terms are available in multiple languages on the
Department’s website, www.nyc.gov/dca.

NMLS: 2726

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