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Mortgage Statement - 2024-08-05 - 90 Madison Ave, Albany, NY 12202.pdf

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Account Information Explanation of Amount Due Outstanding Principal Balance Prepayment Penalty Current Escrow Balance Maturity Date Interest Rate $192,496.12 Yes $4,348.57 December 2052 10.1250% *The principal balance above is not the total amount required to pay your loan in full. Loan Set Up on Automatic Payment/ACH* NO *If your account is set up on Automatic Payment/ACH as indicated above, your account will continue to draft as scheduled. Principal Interest Escrow (for Taxes and Insurance) Re

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Account Information

Explanation of Amount Due

Outstanding Principal Balance
Prepayment Penalty
Current Escrow Balance
Maturity Date
Interest Rate

$192,496.12
Yes
$4,348.57
December 2052
10.1250%

*The principal balance above is not the total amount required to pay your loan in full.

Loan Set Up on Automatic Payment/ACH*

NO

*If your account is set up on Automatic Payment/ACH as indicated
above, your account will continue to draft as scheduled.

Principal
Interest
Escrow (for Taxes and Insurance)
Regular Monthly Payment
Total Fees Charged
Total Amount Due

$145.02
$1,624.19
$960.92
$2,730.13
$0.00

$2,730.13

Contact Us
Online:
Mobile App:
By Email:
By Phone:
Hours of Operation:

www.citadelservicing.com/account-access/
Citadel Servicing Corp.
support@mycitadelservicing.com
855-864-7843
Monday through Friday 8:30 AM to 8:00 PM and
Saturday 9:00 AM to 3:00 PM ET

Activity since your last statement (07/02/2024 - 08/05/2024)
Date

Due Date

Description

08/05/2024 08/01/2024
08/05/2024

PAYMENT
PRINCIPAL CURTAILMENT

Amount Principal Interest

Escrow

Fees

$2,730.13
$2,950.00

$960.92
$0.00

$0.00
$0.00

$119.13
$2,950.00

$1,650.08
$0.00

Unapplied
$0.00
$0.00

Other
$0.00
$0.00

Past Payment Breakdown
Paid Last Month
$3,069.13
$1,650.08
$960.92
$0.00
$5,680.13

Principal
Interest
Escrow
Fees
Total

Paid Year to Date
$5,923.52
$13,330.16
$6,525.08
$60.00
$25,838.76

Important Messages
If you are experiencing a hardship and need assistance, please reach out to us to discuss assistance options at 855-864-7843.
While it’s important to make timely payments, if you are experiencing a hardship or having trouble making your mortgage payment on time, assistance options may be available.
If you would like mortgage counseling or assistance at no cost to you, or if you need assistance with translation or other language assistance, you can find a list of counselors in
your area on the U.S. Department of Housing and Urban Development (HUD) website at www.hud.gov/counseling, by phone at 800-569-4287. You may also be eligible for
mortgage assistance from your state’s housing finance agency or other state/local agency (See reverse for more information). For additional educational information, including
help for servicemembers, you may also visit Fannie Mae’s website https://www.fanniemae.com, if Fannie Mae is the owner of your mortgage loan or Freddie Mac’s website
http://myhome.freddiemac.com, if Freddie Mac is the owner of your loan.

DETACH AND RETURN BOTTOM PORTION WITH YOUR PAYMENT

Total Amount Due
Account Number: 1910008671
EARL CO

Internet Reprint

Check here and see reverse for address correction

CITADEL SERVICING CORPORATION DBA ACRA LENDING
P.O. BOX 105178
ATLANTA, GA 30348-5178

$2,730.13

Payment Due by 9/1/2024
If payment is received after 9/16/24, $35.38 late fee will be charged.
Please designate how you want us to apply any additional funds.

Additional Principal

$

Additional Escrow

$

Other Fees

$

Total Amount Enclosed:

$

00000191000867140027301370027655188

Payoffs

To obtain an accurate payoff on your loan, please visit our website or call us for more details. We also accept requests for payoff quotes in writing. Note: authorization is required if requested
by a third party (Title, Escrow, Closing agent)

Servicemembers Civil Relief Act (SCRA)
The Servicemembers Civil Relief Act may offer protection or relief to military members who have been called to active duty. If you have been called to active duty or you are the spouse,
registered domestic partner, partner in a civil union, or financial dependent of a person who has been called to active duty, and you have not yet made us aware of your status, please
contact Customer Service at 855-864-7843.

Americans with Disabilities Act (ADA)
Our company supports customers which require assistance due to hearing, speech or visual
impairments.? Specially trained relay agents will conduct the calls through TTY or verbally to
hearing parties.?If you are having difficulty reading this document, you may request that our
Customer Care Specialists assist you by reading the letter content aloud to you in its entirety.?
Please contact a Customer Care Specialist on the phone number included on the front of this
statement.
Disputing Credit Reporting Account Information

You have the right to dispute credit bureau reporting information by sending a letter to our correspondence address at Citadel Servicing Corporation dba Acra Lending, PO BOX 100077,
Duluth, GA 30096-9377.
Your dispute notice should include:
(1) Sufficient information to identify the account or other relationship that is in dispute, such as your account number and your name, address, and telephone number of the consumer;
(2) The specific information that you are disputing and an explanation of the basis for the dispute; and
(3) Supporting documentation

Complaints

If you have a Complaint regarding the servicing of your loan, you may call us at 855-864-7843 or send a letter providing details of your complaint to Citadel Servicing Corporation dba Acra
Lending, PO BOX 100078, Duluth, GA 30096-9377.

Notices of Error and Requests for Information

You have certain rights under federal law related to resolving errors in the servicing of your loan or requesting information about your loan account. If you want to send a Notice of Error or a
Request for Information as defined by federal law, it must be sent to our exclusive address at Citadel Servicing Corporation dba Acra Lending, PO BOX 100078, Duluth, GA 30096-9377.

Property Taxes

If you received your Real Estate tax bill for an item that is included on your Annual Escrow Statement, please keep it for your records as we receive the tax information directly from your
taxing authority. It is not necessary to contact or mail us this information. However, if you receive a delinquent tax bill /notice please forward the bill to us at PO Box 9212 Coppell, TX
75019-9228 or fax to 817-310-7507.

HUD Counseling Information about Mortgage Counseling or Assistance
For a list of HUD-approved housing counseling agencies that can provide free foreclosure prevention and debt management information, as well as translation or other language assistance,
contact one of the following federal government agencies.
· The U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287 or www.hud.gov/counseling
· The Consumer Financial Protection Bureau (CFPB) at (855) 411-2372 or www.consumerfinance.gov/mortgagehelp

Fair Debt Collections Protection Act and Bankruptcy

We may be considered to be a debt collector under certain state and federal laws. Accordingly, for the purposes of such laws, this communication is from a debt collector and is an attempt to
collect a debt. Any information obtained will be used for that purpose. However, to the extent your original obligation has been discharged or is subject to an automatic stay under the United
States Bankruptcy Code, this notice is for compliance and/or informational purposes only and does not constitute a demand for payment or an attempt to impose personal liability for such
obligation.

Fannie Mae

If the investor of your loan is Fannie Mae, go to https://www.fanniemae.com for additional educational resources.

Homeowner Assistance Fund

The Homeowner Assistance Fund (HAF) is a federal program to help homeowners impacted by COVID-19 catch up on mortgage and utility bills and pay other housing costs
https://www.ncsha.org/homeowner-assistance-fund/

Successors in Interest

A Successor in Interest is someone who acquires an ownership interest in a property secured by a mortgage loan by transfer upon the death of a relative, as a result of a divorce or legal
separation, through certain trusts, between spouses, from a parent to a child, or when a borrower who is a joint tenant or tenant by the entirety dies. If you are a successor in interest, or you
think you might be, please contact us by phone at 855-864-7843, mail at Citadel Servicing Corporation dba Acra Lending, PO BOX 100077, Duluth, GA 30096-9377, or email us at
support@mycitadelservicing.com to start the confirmation process.

Credit Reporting 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 our credit report.

State Disclosures
Certain state disclosures are applicable based on the state in which the secured property is located.

New York

ServiceMac, LLC provides certain services on behalf of Citadel Servicing Corporation dba Acra Lending. Any complaints or inquires can be submitted to Citadel Servicing Corporation dba
Acra Lending, PO BOX 100078, Duluth, GA 30096-9377 or call 855-864-7843 toll-free telephone number or collect calling services that gives the borrower access to a live person trained to
answer inquiries and resolve or help resolve complaints.
ServiceMac, LLC is registered with the Superintendent of Banks. A complaint about ServiceMac can be filed with the New York State Department of Financial Services. You may 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.

Address and phone number change *Please be sure to check the box on the front of this coupon
Borrower first name

Borrower last name

Co-borrower first name

Co-borrower last name

New mailing address
City, State Zip
Home Phone
Cell Phone

Work Phone
Email