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Monthly Account Statement - 2022-02-09 - 86 Madison Ave, Albany, NY 12202.pdf

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MAIN PHH Mortgage Services P.O. Box 5452 Mt. Laurel, NJ 08054-5452 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 Address: See page header Your monthly mortgage statement 28079 SP 3329 RE OW1 BONEY ENTERPRISES LLC PO BOX 12421 ALBANY, NY 12212 Loan number: 8016191218 Payment Due Date: 3/1/2022 Amount Due: $1,714.65 If payment is received after 3/11/2

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MAIN

PHH Mortgage Services
P.O. Box 5452
Mt. Laurel, NJ 08054-5452
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
Address: See page header

Your monthly mortgage statement

28079 SP 3329

RE

OW1

BONEY ENTERPRISES LLC
PO BOX 12421
ALBANY, NY 12212

Loan number: 8016191218
Payment Due Date: 3/1/2022

Amount Due: $1,714.65
If payment is received after 3/11/2022, a $23.34 late fee may be
charged.

Statement Date: 2/8/2022

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

Explanation of Amount Due
86 MADISON AVE
ALBANY, NY 12202 2034
$158,596.80
7.9900%
Yes
$2,847.57$0.00
08/01/2051

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

$111.42
$1,055.99
$547.24
$0.00
$1,714.65

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

$15.00
$15.00-

Assessed Expenses
Past Due Payment(s)
Total Amount Due

Past Payments Breakdown
Paid Since Last Statement
Principal
$220.63
Interest
$2,114.19
Escrow (Taxes and/or Insurance)
$1,094.48
Fees
$38.34
Optional Products
$0.00
Partial Payment (Unapplied)*
$0.00
Total
$3,467.64

$0.00
$0.00
$1,714.65

Important Messages
Paid Year to Date
$220.63
$2,114.19
$1,094.48
$38.34
$0.00
$0.00
$3,467.64

You are currently due for the 3-1-2022 payment.
Your last full payment was applied to the payment due 2-1-2022.
*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 ($)

$1,722.15

01/18

01/14

Payment

$109.95

$1,057.46

$547.24

$7.50

$0.00

$0.00

01/18

01/18

Payment

$0.00

$0.00

$0.00

$23.34

$0.00

$0.00

$23.34

City/Town Tax ALBANY CITY

$0.00

$0.00

-$3,342.54

$0.00

$0.00

$0.00

$3,342.54

01/18
02/08

$110.68

$1,056.73

$547.24

$7.50

$0.00

$0.00

$1,722.15

01/18

02/06

Payment
Phone/Web Payment Fee Assessed

$0.00

$0.00

$0.00

-$7.50

$0.00

$0.00

$0.00

02/08

Phone/Web Payment Fee Assessed

$0.00

$0.00

$0.00

-$7.50

$0.00

$0.00

$0.00

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.

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

3/1/2022

Regular Monthly Payment

$1,714.65

Total New Fees and Charges

$15.00

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

$15.00$0.00

Past Due Payments

$0.00

Total Amount Due

$1,714.65

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 0000173799 0000171465 1

MAIN

Contact information for general insurance

For your information

Mailing address:
Phone: 1-888-882-1855
PHH Mortgage Services
Fax: 1-937-525-4210
Attention: Insurance Department
P.O. Box 5954
Springfield, OH 45501-5954
For insurance updates, visit www.mycoverageinfo.com/mortgagefamily or send
via email to MortgageFamily@MyCoverageinfo.com.

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. You may also make one time
additional principal payments as long as your account is current. To have
your payment or additional principal post the same business day, your
payment must be completed by 8:00 pm ET, Monday through Friday.
Please note a fee may apply.

Contact information for property damage and loss draft checks

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.

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
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
$0 - $10.00
Returned Payment Fee
$0 - $25.00
Paying by Phone or Web
$0 - $17.50
Lien Release
$0 - $15.00
Wire Fee
$0 - $25.00
Certified Mail Fee
$0 - $15.00
Payoff Quote
$0 - $30.00

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

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 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

Rev 5/21

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

Address (number and street)

Suite no.

City

State

Zip Code

Home telephone

Business telephone

Extension

(

(

)

E-mail address

)

Phone: 1-888-882-1855