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Monthly Account Statement - 2023-01-07 - 86 Madison Ave, Albany, NY 12202.pdf

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MAIN PHH Mortgage Services P.O. Box 24736 West Palm Beach, FL 33416 125087 SP 3305 RE To obtain information about your account: Questions/Concerns: Visit: www.MortgageQuestions.com Phone: Call toll free: 1-866-672-5706 Email us: CustomerCare@mortgagefamily.com Fax: 1-856-917-8300 OW1 BONEY ENTERPRISES LLC PO BOX 12421 ALBANY, NY 12212 Address: See page header Loan number: 8016191218 Payment Due Date: 2/1/2023 Amount Due: $4,963.40 If payment is received after 2/11/2023, a $124.09 late fee may be

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MAIN

PHH Mortgage Services
P.O. Box 24736
West Palm Beach, FL 33416

125087 SP 3305

RE

To obtain information about your account:
Questions/Concerns:
Visit: www.MortgageQuestions.com
Phone: Call toll free: 1-866-672-5706
Email us: CustomerCare@mortgagefamily.com
Fax: 1-856-917-8300

OW1

BONEY ENTERPRISES LLC
PO BOX 12421
ALBANY, NY 12212

Address: See page header

Loan number: 8016191218
Payment Due Date: 2/1/2023

Amount Due: $4,963.40
If payment is received after 2/11/2023, a $124.09 late fee may be
charged.

Your monthly mortgage statement dated: 1/5/2023

Explanation of Amount Due

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

86 MADISON AVE
ALBANY, NY 12202 2034
$157,448.61
7.9900%
Yes
$1,599.04$0.00
08/01/2051

$119.86
$1,047.55
$1,314.29
$0.00
$2,481.70

Principal
Interest
Escrow (Taxes and/or Insurance)
Optional Products/Other
Regular Monthly Payment

$7.50

Total New Fees and Charges
Outstanding Unpaid Late Charges, Returned Item
Charges, Shortages and Other Fees

$7.50$0.00
$2,481.70
$4,963.40

Assessed Expenses
Past Due Payment(s)
Total Amount Due

Past Payments Breakdown
Paid Since Last Statement
Principal
$118.28
Interest
$1,049.13
Escrow (Taxes and/or Insurance)
$1,314.29
Fees
$131.59
Optional Products
$0.00
Partial Payment (Unapplied)*
$0.00
$2,613.29
Total

Important Messages
Paid Year to Date
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00

You are currently due for the 1-1-2023 payment.
Your last full payment was applied to the payment due 12-1-2022.
*Partial Payments: 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.

Transaction Activity
Posted Received/ Description
Date
Credited
Date

Principal ($)

Interest ($)

Escrow ($)

Late Charges,
Shortages &
Fees ($)

Suspense &
Other ($)

Optional
Products ($)

Total ($)

12/20

12/20

Payment

$118.28

$1,049.13

$1,314.29

$7.50

$0.00

$0.00

$2,489.20

12/20

12/20

Payment

$0.00

$0.00

$0.00

$124.09

$0.00

$0.00

$124.09

Phone/Web Payment Fee Assessed

$0.00

$0.00

$0.00

-$7.50

$0.00

$0.00

$0.00

12/20

Important Information
If it’s not possible to make the monthly payment due to impacts from COVID-19, please notify us right away. You can notify us by filling out the COVID-19
Hardship Notification Form that is available on our website listed above. Click the “Learn More” link within the red Coronavirus banner for
details. If you have other questions regarding COVID-19, you may also email or call us – please see the top of the billing statement for contact
information. We appreciate your support in using the self-serve options as our wait times may be extended due to anticipated volume related to COVID-19.

stub

Page 1 of 2

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

Loan number:

8016191218

BONEY ENTERPRISES LLC

PHH Mortgage Services
P O BOX 371458
PITTSBURGH, PA 15250-7458

ATTAFATTADDFDTAATFDDDTATDFFDDFFDDDDFAADDTDAAFDFFADFFDTDFAAAFFDAAD

Payment Due Date

2/1/2023

Regular Monthly Payment

$2,481.70

Total New Fees and Charges

$7.50

Outstanding Unpaid Late Charges,
Returned Item Charges, Shortages
and Other Fees
Assessed Expenses

$7.50$0.00

Past Due Payments

$2,481.70

Total Amount Due

$4,963.40

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.

Extra principal

$

Extra escrow

$

Unpaid late charges

$

Other (specify)

$

Total check enclosed

$

99 954 8016191218 0000260579 0000248170 6

MAIN

Contact information for general insurance

For your information

Mailing address:
PHH Mortgage Services
Attention: Insurance Department
P.O. Box 5954
Springfield, OH 45501-5954

PHH Mortgage Services will perform all servicing activities for your mortgage
loan.

Pay by phone or web:
You can make your payment by phone at 1-800-449-8767 or visit 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 your 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?

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:
PHH Mortgage Services
Attention: Loss Draft Department
P.O. 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
P.O. Box 66002
Lawrenceville, NJ 08648

Fees

Loan History
Paying by Phone or Web
Wire Fee
Payoff Quote

You can also make a one-time additional principal payment by mailing a
check to:
Payment Processing
P.O. Box 371458
Pittsburgh, PA 15250-7458

State Disclosures
New York Property Owners - Customers may file complaints about their Servicer
with the New York State Department of Financial Services. Customers 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.

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 your loan
number on the bill and send it as soon as possible to:
PHH Mortgage Services
Attention: Tax Department
P.O. 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 your 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 your 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.

Page 2

stub
Change of name or address
If your contact information has changed, please give us the new
information below.
Name (first, middle, last)

Suite no.

State

Zip Code

Home telephone

Business telephone

Extension

(

(

)

)

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

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
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.knowyouroptions.com/.
Additional payment assistance options are also available by contacting PHH
Mortgage Services.

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 5 business days. Please
write your loan number on your check and do not send cash or attach your
check to the payment coupon. Payments that otherwise comply with the 2
criteria stated but are received on legal holidays or on a Sunday may not be
credited until the next business day.

E-mail address

Returned Payment Fee
Lien Release
Certified Mail Fee

Information about Mortgage Counseling or Assistance

Receipt and Crediting of Payments

City

$0 - $10.00
$0 - $17.50
$0 - $25.00
$0 - $30.00

Commercial Loans 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.

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.

Address (number and street)

Phone: 1-888-882-1855

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.

Yes. Additional principal payments can be deducted with your Direct Debit
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 your monthly payment.

Rev 5/21

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