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Mortgage Statement - 2025-02-06 - 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: Visit: www.MortgageQuestions.com Phone: Call toll free: 1-866-672-5706 Email us: CustomerCare@mortgagefamily.com Fax: 1-856-917-8300 Hours: Monday through Friday 8:00AM to 9:00PM ET and Saturday 8:00AM to 5:00PM ET Address: See page header BONEY ENTERPRISES LLC Loan number: Payment Due Date: Your monthly mortgage statement dated: February 5, 2025 Account Information Outstand

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PHH Mortgage Services |PO BOX 24736
West Palm Beach FL 33416
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
Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET
Address: See page header

BONEY ENTERPRISES LLC

Loan number:
Payment Due Date:

Your monthly mortgage statement dated: February 5, 2025

Account Information

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

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

86 MADISON AVE
ALBANY, NY 12202-2034
$153,856.26
7.9900 %
Yes
$1,560.21
$0.00
8/1/2051

Paid Since Last Statement
$142.04
$1,025.37
$837.13
$0.00
$0.00
$0.00
$2,004.54

Transaction Activity

Posted
Date
01/15
01/17
02/04

Received/
Credited
Date
02/04

$2,347.38

If payment is received after 3/11/2025, a $100.23 late fee may be charged.

Property Address

Past Payments Breakdown

Amount Due:

8016191218
3/1/2025

Description

Paid Year to Date
$283.14
$2,051.68
$1,674.26
$0.00
$0.00
$0.00
$4,009.08

Principal ($)

Flood Insurance AMERICAN SECURITY INS CO
City/Town Tax ALBANY CITY *
Payment

$0.00
$0.00
$142.04

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(s)
Total Amount Due

$142.98
$1,024.43
$837.13
$0.00
$2,004.54
$0.00
$342.84
$0.00
$0.00
$2,347.38

Important Messages
The account is presently due for the 3/1/2025 payment.
Your last full payment was applied to the payment due 02/01/2025.
*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
$0.00
$1,025.37

Late Charges, Suspense &
Optional
Total ($)
Shortages &
Other ($)
Products ($)
Fees ($)
-$135.75
$0.00
$0.00
$0.00
$135.75
-$2,535.77
$0.00
$0.00
$0.00
$2,535.77
$837.13
$0.00
$0.00
$0.00
$2,004.54

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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

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

3/1/2025
$2,004.54
$0.00
$342.84
$0.00
$0.00
$2,347.38

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 371458
PITTSBURGH PA 15250-7458

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

$_________
$_________
$_________
$_________
$_________

99 954 8016191218 0000210477 0000200454 8

For your information

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?
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.
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
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 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.
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.

Contact information for general insurance
Mailing address:
PHH Mortgage Services
Attention: Insurance Department
P.O. 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
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 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
Paying by Phone or Web
Wire Fee
Payoff Quote

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

Returned Payment Fee $0 - $25.00
Lien Release
$0 - $15.00
Certified Mail Fee
$0 - $15.00

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.
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 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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