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2022-07-01 Mortgage Statement 90 Madison - 90 Madison Ave, Albany, NY 12202.pdf

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Mortgage Statement STATEMENT DATE 07/08/22 Property Address: 90 MADISON AVE, ALBANY NY 12202 314 S Franklin St. / Second Floor PO Box 517 Titusville, PA 16354 Customer Care: 800-327-7861 bsi.myloanweb.com Account Number: Payment Date: Payment Amount: 1535100466 08/01/22 $3,525.89 ACH Status: Not Active If payment is received after 08/06/22, $27.17 late fee will be charged. Explanation of Amount Due Principal: Interest: Escrow (Taxes and/or Insurance): Current Monthly Payment: Total Fees and Othe

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Mortgage Statement
STATEMENT DATE
07/08/22
Property Address: 90 MADISON AVE, ALBANY NY 12202

314 S Franklin St. / Second Floor
PO Box 517
Titusville, PA 16354
Customer Care: 800-327-7861
bsi.myloanweb.com

Account Number:
Payment Date:
Payment Amount:

1535100466
08/01/22
$3,525.89

ACH Status: Not Active
If payment is received after 08/06/22, $27.17 late fee will be charged.

Explanation of Amount Due
Principal:
Interest:
Escrow (Taxes and/or Insurance):
Current Monthly Payment:
Total Fees and Other Charges:
Overdue Payments:
Total Payment Amount:

88 ESTATE LLC
385 S CHEROKEE ST APT N216
DENVER CO 80223

$174.09
$731.62
$843.65
$1,749.36
$27.17
$1,749.36
$3,525.89

Account Information
* Outstanding Principal:
Interest Rate (Until Maturity):
Escrow Balance:

$152,859.37
5.75000%
$4,268.94

Prepayment Penalty:

YES

* The outstanding principal balance does not represent the payoff of your loan. Please see reverse for more information.

Transaction Activity (06/01/22 to 07/08/22)
Date

Description

Transaction
Amount
$-27.17

07/07/22 Late Fee (charged because
full payment not received by
07-06-2022)

Principal

Interest

Escrow

$0.00

$0.00

$0.00

Past Payments Breakdown
Paid
Paid
Last Month Year to Date
$0.00
$1,022.34
$0.00
$4,411.92
$0.00
$4,222.18
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00
$0.00 $9,656.44**

Principal
Interest
Escrow (Taxes and/or Insurance)
Late Charges
Fees
Partial Payments (Unapplied)*

Total

Late Charges
& Fees
$-27.17

Unapplied
Amount
$0.00

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* Partial Payments: Any partial payments that you make may not be applied to your
mortgage, but 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.
** These amounts may not reflect payments made to a prior servicer if your loan servicing
was transferred this year.

IMPORTANT BANKRUPTCY INFORMATION
For Informational Purposes Only. If you have filed a bankruptcy petition and there is an “automatic stay” in effect or you have received a discharge of your
personal liability for this loan, we may not and do not intend to pursue collection of this loan from you personally. If either of these circumstances apply, this
communication is not and should not be construed to be a demand for payment from you personally, but strictly for information purposes only.

Important Messages

Keep upper portion for your records. See reverse for important information.
Please return this portion with your payment

□ Please check box if mailing address or phone

number has changed. Write changes on back
of payment stub.

314 S Franklin St. / Second Floor
PO Box 517
Titusville, PA 16354
Customer Care: 800-327-7861
bsi.myloanweb.com

□ Payoff Proceeds Enclosed

Account Number: 1535100466
Property Address: 90 MADISON AVE, ALBANY NY 12202

88 ESTATE LLC
385 S CHEROKEE ST APT N216
DENVER CO 80223

Please write your loan number on your check and make payable to:
BSI FINANCIAL SERVICES

1535100466 000003525893

Payment Amount
Payment Date:
Payment Amount:

08/01/22
$3,525.89

If payment is received after 08/06/22, $27.17 late fee will be charged.
*All amounts due must be paid in full before additional principal reduction can be made.

Additional Principal:
Additional Escrow:

$____________________
$____________________

Total Amount Enclosed

$_____________

BSI Financial Services
PO BOX 679002
Dallas TX 75267-9002




Payment Options
BSI Financial Services provides you the following options for making your mortgage loan payments:
• Mail: BSI Financial Services, P.O. Box 679002, Dallas, TX 75267-9002
• Online: bsi.myloanweb.com
• Pay-by-Phone: 800-327-7861. A fee may apply for this service.
• Monthly, Bi-Weekly and Weekly ACH: Please call 800-327-7861 for instructions on how to enroll in the ACH program.
• Western Union: Visit the Western Union office nearest you. To make the payment, you will need your loan number, the CODE CITY ("BSI") and the STATE ("PA"). To locate
the Western Union office nearest you, call 800.325.6000.
• Overnight Address: BSI Financial Services, Lockbox Number 679002, 1200 E Campbell Rd Ste. 108, Richardson, TX 75081
Important Notice: BSI Financial Services does not accept cash payments or postdated checks. All payments will be applied upon receipt.
Payment Information
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How Payments are Applied: Payments we receive will be applied in accordance with the terms of your mortgage note. This generally means that funds will first be applied
to any payments past due. Once your loan is current, any additional available funds will be applied to outstanding fees, costs and advances prior to being applied to reduce
your principal balance. Our servicing system allows for one advance payment. If you send in enough money to satisfy more than one additional monthly payment, any
remaining funds will then be applied to fees, costs and your principal balance. Should you have any questions regarding a specific payment, please call our Customer Care
Department at 800-327-7861.
Additional Amounts: This is known as a curtailment or partial prepayment. If your loan is current and has the standard payment application requirements (check your
Note, Mortgage and any applicable Riders for details), an amount in excess of the regular payment amount will be applied first to any outstanding charges (such as late fees
or interest) and then to principal. Also, if your Note has a prepayment penalty, the extra amount you send could trigger that penalty. Please check your Note and
understand what it means.
Partial Payments: If you make a partial payment, which is less than an amount sufficient to cover your principal, interest and escrow (if applicable) for a given billing cycle,
we may credit the partial payment to your account, return the partial payment to you, or hold the payment in an unapplied funds account. If your statement activity reflects a
partial payment was placed in an unapplied funds account, your payment will be held in the unapplied funds account until we receive sufficient funds to cover a full monthly
payment. To have your funds applied, you must remit an additional amount sufficient to complete the monthly payment.
There will be a processing fee associated with one-time web payments set up to draft on or after the 6th day of your grace period. There will be no charge for one-time
payments set up to draft on or before your due date, or within the first five days of your grace period. Additionally, you will be charged a processing fee for automated
payments set up via our Interactive Voice Response (IVR) system. You may obtain more information regarding these charges within your MyLoanWeb account by clicking
on Requests, then Fees. We continue to provide the additional following payment options at no cost to you: pay-by-mail and pay-by-ACH.
Attention Servicemembers and Dependents: Servicemembers on active duty, or a spouse or dependent of such a servicemember, may be entitled to certain protections
under the Servicemembers Civil Relief Act (“SCRA”) regarding the servicemember’s interest rate and risk of foreclosure. If you are currently in the military service, or have
been within the last 12 months, and joined after signing the Note and Security Instrument now in default, please notify us immediately.

Loan Reinstatement and Payoff Information
The outstanding balance and amount due on your statement is as of the date of the statement and is not the amount needed to bring your loan current or to pay off your loan in full.
Because of interest, late charges and other charges that may vary from day to day, the outstanding amounts due on your loan will increase. If your loan is in default, foreclosure activity
and costs associated therewith will continue to accrue until the loan is fully reinstated or paid in full. If you would like to bring your loan current, please contact our Customer Care
Department or your Loss Mitigation Specialist to request a Reinstatement Quote within 48 hours of when you intend to reinstate. If you are planning on paying off your loan, you must
request a payoff quote a minimum of 5 business days before your anticipated payoff date and you will be provided a written Payoff Statement. Our agents are unable to give you a
verbal payoff quote.
Mortgage Counseling and Assistance
If you are experiencing financial difficulty and would like counseling or assistance, you can find a list of homeownership counselors in your area on the U.S. Department of Housing and
Urban Development's website at http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call their toll-free number at 1-800-569-4287.
Qualified Written Requests
Under the Real Estate Settlement Procedures Act, a qualified written request is written correspondence (other than notice on your payment coupon or other payment medium supplied
by us) regarding the servicing of your loan that identifies your name, account number and the specific reasons for the request (such as an error on your loan account or a request for
information). Any qualified written request you wish to submit must be sent to:BSI Financial Services, Attention: Qualified Written Requests,314 S Franklin St. / Second Floor
PO Box 517 Titusville, PA 16354.
Negative Credit Information Notice
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. You have
the right to dispute the accuracy of the information reported by writing to us at the address listed above.

BSI Financial Services is a debt collector, and any information you provide to us may be used to collect a debt.
Licensed as Servis One, Inc. dba BSI Financial Services. This notice is being sent on behalf of BSI Financial Services by its servicing agent, BSI Financial Services.
BSI Financial Services NMLS# 38078.
Licensed as a Debt Collection Agency by the New York City Department of Consumer Affairs (# 2001485-DCA). North Carolina Collection Agency Permit (# 105608).
BSI is registered with the Superintendent of the New York State Department of Financial Services. New York borrowers may file complaints and obtain further information about the
servicer by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website at www.dfs.ny.gov
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
https://coag.gov/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/.

CHANGE OF NAME / ADDRESS NOTIFICATION

If applicable, please complete the change of address and personal information below (if name change, please supply supporting documentation):

NAME _________________________________________________________________________________________________

STREET ADDRESS ______________________________________________________________________________________

CITY/STATE __________________________________________________ ZIP CODE ________________________________

SIGNATURE __________________________________________________ DATE ____________________________________