PHH Mortgage Services |PO BOX 24738

West Palm Beach FL 33416

To obtain information about your account:

JAE YU Visit: www.MortgageQuestions.com
946 S SYCAMORE AVE Call toll free: 1-833-549-0654
Email us: [email protected]
RIALTO, CA 92376 Fax: 1-856-917-8300
Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET

Loan number: 7184465248

Payment Date: 12/1/2024
Your monthly mortgage statement dated: November 19, 2024 Payment Amount: $14,544.70

Bankruptcy Message Explanation of Payment Amount

Our records show that either you are a debtor in bankruptcy or you discharged Principal $602.28
personal liability for your mortgage loan in bankruptcy. Interest $803.82
Escrow (Taxes and/or Insurance) $1,179.89
We are sending this statement to you for informational and compliance purposes only. It is not Optional Products/Other $0.00
an attempt to collect a debt against you. Regular Monthly Payment $2,585.99
If you want to stop receiving statements, write to us at: PHH Mortgage Services Total New Fees and Charges $0.00
PO Box 24736 Outstanding Unpaid Fees, Returned Item Charges $71.23
West Palm Beach, FL 33416 and Shortages
Assessed Expenses $231.32
Past Unpaid Amount $11,656.16
Account Information Total Payment Amount $14,544.70
Property Address 946 S SYCAMORE AVE
RIALTO, CA 92376
Outstanding Balance (not payoff amount) $311,061.77
Important Messages
Current Interest Rate 3.1250 % *Partial payments: Any partial payments that you make are not applied to your
Prepayment Penalty No mortgage, but instead are held in a separate suspense account. If you pay the balance
Escrow Balance $1,643.69 of a partial payment, the funds will then be applied to your mortgage.
Suspense Balance $0.00 Please note that this is not the payoff quote and any amount less than the payoff quote
Maturity Date 1/1/2052 will be returned. Please contact us for payoff quote.

Past Payments Breakdown

Paid Since Last Statement Paid Year to Date
Principal $0.00 $17,179.13
Interest $0.00 $25,003.87
Escrow (Taxes and/or Insurance) $0.00 $29,597.21
Fees $0.00 $0.00
Optional Products $0.00 $0.00
Partial Payment (Unapplied)* $0.00 $0.00
Total $0.00 $71,780.21

Transaction Activity
Posted Received/ Description Principal ($) Interest ($) Escrow ($) Fees & Suspense & Optional Total ($)
Date Credited Shortages Other ($) Products ($)
Date ($)
10/25 Assessed Expense -INSPECTION FEE $0.00 $0.00 $0.00 $0.00 $30.00 $0.00 $0.00
10/25 Assessed Expense -SALES TAX $0.00 $0.00 $0.00 $0.00 $2.33 $0.00 $0.00
11/04 MIP/PMI Payment HUD RBP INS. PREMIUMS $0.00 $0.00 -$236.78 $0.00 $0.00 $0.00 $236.78

Important Information

Reminder! PHH Mortgage will be changing its name to Onity Mortgage soon. There is nothing you need to do now. Please go to our website for more information.

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If you are making a payment, make your check Payment Date 12/1/2024
payable to PHH Mortgage Services. Regular Monthly Payment $2,585.99
Total New Fees and Charges $0.00
Loan Number: 7184465248 Outstanding Unpaid Fees, Returned
JAE YU Item Charges and Shortages $71.23
Assessed Expenses $231.32
Past Unpaid Amount $11,656.16
Total Payment Amount $14,544.70

Extra Principal $_________













Extra escrow $_________
Unpaid late charges $_________
Other (specify) ______ $_________
PHH Mortgage Services Total check enclosed $_________
PO BOX 94087
PALATINE IL 60094-4087

99 954 7184465248 0000264222 0000258599 9

For your information
Contact information for property damage and loss draft checks
PHH Mortgage Services will perform all servicing activities for your mortgage loan.
Mailing address: Phone: 1-888-882-1855
Pay by phone: PHH Mortgage Services
You can make a payment by calling the phone number on the front of the statement. Payments Attention: Loss Draft Department
made before 9 PM ET Monday through Friday (excluding holidays) will be processed and P.O. Box 7459
applied to the account the same day the payment is made; the payment will be effective the Springfield, OH 45501-7459
day it was made. Payments made after 9 PM ET Monday through Friday, on weekends, and Requests for information and Notices of Error, including Qualified Written Requests
on holidays will be processed and applied to the account the next business day, the payment If you wish to request information or assert an error relating to the servicing of your mortgage
will still be effective the day it was made. loan, including any Qualified Written Requests, you must use the address below and include
How we process your payment your name, your mortgage loan account number, property address and a statement of either
When you provide a check as payment, you authorize us either to use the information from the information you are requesting or the error you believe has occurred:
your check to make a one-time electronic fund transfer from your account, or to process the PHH Mortgage Services
payment as a check transaction. When we use information from your check to make an P.O.Box 24695
electronic fund transfer, funds may be withdrawn from your account as soon as the same day West Palm Beach, FL 33416
we receive your payment, and you will not receive your check back from your financial
Fees
institution. If you would like to opt out of this program or if you have any questions, please call
The following is a list of fees we charge for the services indicated. We may charge a fee for
us at the phone number shown on the front of this statement.
this service subject to applicable provisions of the Bankruptcy Code and other applicable law.
Receipt and Crediting of Payments
Additional fees may apply for services not listed. For additional information regarding fees, you
Payments received Monday-Saturday at the address on the payment coupon provided will be
or your Bankruptcy Counsel may contact us at the number on the front of your statement.
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
Loan History $0 - $10.00 Returned Payment Fee $0 - $25.00
payments are considered to be non-conforming and may not be credited for up to 5 business Paying by Phone or Web $0 - $17.50 Lien Release $0 - $15.00
days. Please write your loan number on your check and do not send cash or attach your check Wire Fee $0 - $25.00 Certified Mail Fee $0 - $15.00
to the payment coupon. Payments that otherwise comply with the 2 criteria stated but are Payoff Quote $0 - $30.00
received on legal holidays or on a Sunday may not be credited until the next business day.
Information about taxes Commercial Loans are not subject to the above listed fees, commercial fees are assessed in
If you have an escrow account, we’ll arrange with your tax authority to have your regular tax accordance with applicable statutes, regulations, and as agreed upon by the interested parties.
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, Important Information
supplemental or special assessment bills, directly to you. If you have an escrow account and This communication is from a debt collector attempting to collect a debt; any information
you receive a tax bill, write your loan number on the bill and send it as soon as possible to: obtained will be used for that purpose. However, if the debt is in active bankruptcy or has been
PHH Mortgage Services discharged through bankruptcy, this communication is provided purely for informational
Attention: Tax Department purposes only with regard to our secured lien on the above referenced property. It is not
P.O. Box 24665 intended as an attempt to collect a debt from you personally. As may be required by state law,
West Palm Beach, FL 33416-4665 you are hereby notified that a negative credit report reflecting on an accountholder’s credit
For information about your escrow account, such as the date taxes were paid, the amount of record may be submitted to a credit reporting agency if credit obligation terms are not fulfilled.
taxes paid, or the property description used for tax purposes, visit the website shown on the
front of this statement. Information about Mortgage Counseling or Assistance
Information about hazard insurance If you would like contact information for counseling agencies or programs in your area, call the
Maintaining a property insurance policy with the appropriate coverage and deductible amounts U.S. Department of Housing and Urban Development (HUD) at 800-569-4287 or visit
is a requirement under the Mortgage. To protect the mortgaged property, we request that you www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.
provide proof of Hazard Insurance Coverage, Fire and Extended Coverage, including Additional educational resources are available at Fannie Mae’s Know Your Options website,
windstorm and earthquake coverage, if required under the Mortgage. If your home is located in https://www.fanniemae.com/.
a FEMA designated flood zone, the Mortgage also requires that appropriate flood insurance be Additional payment assistance options are also available by contacting PHH Mortgage
maintained. Services.
If we do not receive the requested proof of insurance coverage we may purchase
State Disclosures
lender-placed insurance, after sending notice of our intent to do so. The coverage we obtain
California Property Owners - An escalation hotline has been established for California
may not be comparable to a policy that you would choose. The cost of such insurance may be
consumers with concerns about their mortgage account. The toll-free hotline is available at
added to the monthly payment amount if you are making payments to keep the mortgage
877-726-5793. Also, if you would like to request an accounting of your escrow account
current, or may be recoverable from the proceeds of a foreclosure sale, pursuant to the
pursuant to California Civil Code section 2954, you may contact us to request this information.
Mortgage and applicable law, should foreclosure take place.
The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection
Contact information for general insurance
Practices Act require that, except under unusual circumstances, collectors may not contact you
Mailing address: Phone: 1-888-882-1855
before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or
PHH Mortgage Services Fax: 1-937-525-4210
by using obscene language. Collectors may not use false or misleading statements or call you
Attention: Insurance Department
at work if they know or have reason to know that you may not receive personal calls at work.
P.O. Box 5954
For the most part, collectors may not tell another person, other than your attorney or spouse,
Springfield, OH 45501-5954
about your debt. Collectors may contact another person to confirm your location or enforce a
For insurance updates, visit www.mycoverageinfo.com/mortgagefamily or send via email to
judgment. For more information about debt collection activities, you may contact the Federal
[email protected].
Trade Commission at 1-877- FTC-HELP or www.ftc.gov. As required by law, you are hereby
notified that a negative credit report reflecting on your credit record may be submitted to a
credit reporting agency if you fail to fulfill the terms of your credit obligations.

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 PHH Mortgage Services |PO BOX 24738
West Palm Beach FL 33416
To obtain information about your account:
JAE YU Visit: www.MortgageQuestions.com
Call toll free: 1-833-549-0654
Email us: [email protected]
Fax: 1-856-917-8300
Hours: Monday through Friday 8:00AM to 9:00PM ET
and Saturday 8:00AM to 5:00PM ET
Loan Number: 7184465248

Account History

Recent Account History

· Payment due on 7/1/24: Fully paid on 5/9/24
· Payment due on 8/1/24: Unpaid balance of $2,914.04
· Payment due on 9/1/24: Unpaid balance of $2,914.04
· Payment due on 10/1/24: Unpaid balance of $2,914.04
· Payment due on 11/1/24: Unpaid balance of $2,914.04
· Current payment date 12/1/24: $2,585.99
· Total: $14,544.70 unpaid amount that, if paid, would bring your loan current.

If you are experiencing financial difficulty: See the back of page 1 of your statement for information about mortgage counseling or
assistance.

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