FILED: QUEENS COUNTY CLERK 03/06/2024 02:57 PM
`Representation of Printed Document
`NYSCEF DOC. NO. 26
`
`PO Box 77404
`Ewing, NJ 08628
`STATEMENT ENCLOSED
`
`Statement Date:
`Account Number:
`
`Payment Due Date:
`
`Total Amount Due:
`
`INDEX NO. 727200/2023
`Loan Statement
`RECEIVED NYSCEF: 03/06/2024
`02/20/24
`0177714557
`
`03/01/24
`
`$22,503.94
`
`7-836-CHC01-0046861-002-000-010-000-000
`
`GERARDO MANNIELLO
`LAUREN MORGENSTERN
`2540 SHORE BLVD UNIT PH18D
`ASTORIA NY 11102-3941
`
`If payment is received after 03/17/24, $64.60 late fee will be charged.
`
`Contact Us
`
`Customer Service/Pay By Phone: 866-300-6407
`
`Website: loanadministration.com
`
`*Qualified Written Requests, notifications of error, or
`requests for information concerning your loan must be
`directed to PO Box 77423 Ewing NJ 08628
`
`Account Information
`
`Property Address:
`
`2540 SHORE BLVD PH18D
`
`ASTORIA, NY 11102
`
`Outstanding Principal:
`
`Escrow Balance:
`
`Maturity Date:
`
`Interest Rate:
`
`Prepayment Penalty:
`
`Explanation of Amount Due
`
`NO
`Loan Set Up on Automatic Payment/ACH *
`*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)
`Other
`Current Payment Due 03/01/24
`Total Fees Charged Since Last Statement
`Overdue Amount
`Total Amount Due
`
`$509.13
`$2,720.74
`$438.86
`$0.00
`$3,668.73
`$84.60
`$18,750.61
`$22,503.94
`
`$504,795.52
`
`($25.45)
`
`August 2052
`
`6.50000%
`
`NONE
`
`Transaction Activity (01/18/2024 to 02/20/2024)
`
`Date
`02/07/24
`02/20/24
`
`Effective Date
`
`02/20/24
`
`Description
`FEE - PROPERTY INSPECT
`LATE CHARGE FEE
`
`Charges
`$20.00
`$64.60
`
`Payments
`
`Past Payments Breakdown *Partial/Unapplied Payments: Any partial/unapplied payments that you make are not applied to your mortgage, but instead are held in a separate account. If you pay
`the balance of a partial payment, the funds will then be applied to your mortgage.
`
`Paid Since Last Statement
`
`Paid Year to Date
`
`Principal
`
`Interest
`
`Escrow (Taxes and Insurance)
`
`Other
`
`Fees
`
`*Unapplied Funds
`
`Total
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`$0.00
`
`You are late on your mortgage payments. Failure to bring your loan current may result in fees and foreclosure - the loss of your home. As of 02/20/24 you are
`142 days delinquent on your mortgage loan.
`
`If you are Experiencing Financial Difficulty: You may call the U.S. Department of Housing and Urban Development (HUD) at 800-569-4287, or go to
`https://www.hud.gov/program_offices/housing for a list of homeowner counselors or counseling organizations in your area.
`
`**Delinquency Notice**
`
`Recent Account History
`*Payment due 09/01/23: Fully paid on 09/07/23
`*Payment due 12/01/23: Unpaid balance of $3,668.73
`*Current Payment Due 03/01/24: $3,668.73
`
`*Payment due 10/01/23: Unpaid balance of $3,723.01
`*Payment due 01/01/24: Unpaid balance of $3,668.73
`
`*Payment due 11/01/23: Unpaid balance of $3,723.01
`*Payment due 02/01/24: Unpaid balance of $3,668.73
`
`*Total: $22,503.94 due. You must pay this amount to bring your loan current.
`
`See Reverse Side For Additional Important Information
`
`Please return this portion with your payment
`
`GERARDO MANNIELLO
`LAUREN MORGENSTERN
`ASTORIA NY 11102-3941
`
`Payment Due Date:
`Current Payment:
`Past Due Amount:
`Unpaid Late Charges:
`Other Fees:
`TOTAL AMOUNT DUE:
`After 03/17/24 Pay:
`
`03/01/24
`$3,668.73
`$18,452.21
`$323.00
`$60.00
`$22,503.94
`$22,568.54
`
`$______________
`Late Charge
`$______________
`Additional Principal
`$______________
`Additional Escrow
`$______________
`Other Fees
`$______________
`Total Amount paid
`*See reverse side for instructions
`
`Check this box if your address or
`personal information has been
`updated on the reverse of this
`payment coupon.
`
`Make Checks Payable To:
`Central Loan Administration & Reporting
`
`KL
`
`Account Number:
`0177714557
`
`Amount
`Enclosed
`
`Please do not fold, tape or staple
`check or coupon.
`Please only use blue or black ink.
`
`PAYMENT PROCESSING CENTER
`PO Box 11733
`Newark, NJ 07101-4733
`ADFATTAFDFFADDTDFFTDATTAFATTDTDFDFDADDDAADFFDFAAADTAFFFFFFADFFTAD
`
`

`

`IMPORTANT INFORMATION
`Please Read Carefully
`
`Perf Page
`FILED: QUEENS COUNTY CLERK 03/06/2024 02:57 PM
`NYSCEF DOC. NO. 26
`Payment Information:
`Payments are due and payable by the Payment Due Date. Payments can be made online through our website (if offered) or you can access our Automated
`Telephone System by calling the number listed on this statement. If you wish to pay by check, please be sure to:
`1. Remove your coupon from the bottom of your loan statement and send it along with your check or money order to the address shown on the coupon.
`2. Do not send cash. DO NOT include correspondence with your payment.
`3. When sending your monthly payment via overnight carrier, express or certified mail, or if sending a principal payment separate from your monthly payment, please use
`the following address: Payment Processing 425 Phillips Blvd, Ewing, NJ 08618. When sending a principal payment only, please remember to indicate "principal only"
`along with your loan number in the memo section of your check. PLEASE NOTE: Additional principal payments can only be made with, or after your current month's
`payment. NO principal payments can be applied to loans that are not current.
`4. Do not send partial payments. The disposition of a partial payment received may depend on a number of factors including but not limited to: the amount of the partial
`payment, whether your loan is delinquent, the investor of your loan, whether your loan contains an escrow feature, the number of times a partial payment was received
`within a 12 month period, whether your loan is being or has been modified. For any of these reasons, a partial payment may be (1) returned to you, (2) applied to your
`loan, (3) accepted but held in a non-interest bearing unapplied funds account until you send us additional funds sufficient to equal a full periodic payment due.
`5. If payment is in excess of the amount due, you must indicate on the coupon how the excess is to be applied. Monies received in excess of the payment due that are
`not identified for application may be used to make multiple payments, which could make your loan current or 1 month prepaid. Remaining monies may be
`applied first to pay any other balances due, such as fees and advances, if permitted by applicable law.
`6. We reserve the right to redeposit returned checks. Redeposit and returned check fees will be charged unless prohibited by law.
`
`INDEX NO. 727200/2023
`
`X37188.00
`
`RECEIVED NYSCEF: 03/06/2024
`
`Important Contact Information
`Please include your account number on ALL correspondence. DO NOT SEND correspondence with your payment
`All other Correspondence
`Collections
`Insurance
`Tax Bills
`Payments Correspondence
`PO Box 77404
`PO Box 77407
`PO Box 202028
`Current Tax Bill not
`PAYMENT PROCESSING
`Ewing, NJ 08628
`Ewing, NJ 08628
`Florence, SC 29502-2028
`needed (please see
`CENTER
`FAX 609-538-4005
`FAX 609-538-4017
`mycoverageinfo.com/
`below for details)
`PO Box 11733
`cen300
`Newark, NJ 07101-4733
`New York Borrowers only - Please note that Central Loan Administration & Reporting is not registered with the Superintendent of the New York State Department of
`Financial Services. For more information or to file a complaint, please reach out to the New York State Department of Financial Services by calling the Department’s
`Consumer Assistance Line at (800) 342-3736 or by visiting the Department’s website at www.dfs.ny.gov.
`
`TO THE EXTENT YOUR OBLIGATION HAS BEEN DISCHARGED OR IS SUBJECT TO THE AUTOMATIC STAY IN A BANKRUPTCY PROCEEDING. THIS LOAN
`STATEMENT IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE A DEMAND FOR PAYMENT OR AN ATTEMPT TO COLLECT
`INDEBTEDNESS AS YOUR PERSONAL OBLIGATION.
`
`If you are Experiencing Financial Difficulty: You may call the U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287, or go to
`https://hudgov-answers.force.com/housingcounseling for a list of homeowner counselors or counseling organizations in your area.
`Automatic Payment (ACH):
`We offer a free, convenient service that automatically debits your payment each month from your checking or savings account. To take advantage of this
`service, visit our website (if offered) and complete the Automatic Payment (ACH) Authorization or contact Customer Service directly.
`Payoff Request:
`A written request should be submitted in advance for a payoff statement, please have your account number available. There are a few ways to request a payoff statement.
`For 24/7 service, you can call (877) 7-PAYOFF or (877-) 772-9633 (please note, a payoff statement preparation fee may apply, if permitted by applicable state law). You
`may request a payoff statement online that will be available in the document center within 24 hours, or you may speak to a live chat representative during business hours.
`Payoff funds must be remitted in the form of a wire, certified check, bank/cashier’s check or attorney’s trust check.
`Automated Loan Information:
`You can access your loan information 24 hours a day, 7 days a week by calling our Customer Service automated telephone system or by going online at the web address
`listed on the reverse side of this statement (if offered). Please have your account number and social security number available.
`Servicemembers Civil Relief Act (SCRA):
`Eligible servicemembers and their spouses or civil partners may receive protections under the SCRA. To find out how to determine if you are eligible for protections under
`SCRA and to receive instructions on how to invoke your rights, please contact us at the number listed.
`Insurance Coverage:
`All loans are required to have adequate property insurance in force at all times, including flood insurance, if the property is situated in a special flood hazard area.
`Acceptable hazard and extended dwelling insurance coverage amounts are equal to 100% of the full insured value of the improvements, or equal to the loan balance, if
`greater than 80% of the replacement costs. Flood insurance must equal the lesser of all loan balances, the full structure replacement cost value or NFIP flood coverage
`maximum for the property type. There may be, at lender discretion, situations where the flood coverage cannot be lower than 80% of the replacement costs. Please consult
`your insurance agent to determine the adequacy of your coverages. At time of renewal or if changing insurance companies, please direct any evidence of insurance
`coverage through one of the following methods: through the website at www.mycoverageinfo.com/cen300, by email: cen300@mycoverageinfo.com (one policy per email) or
`mail to: PO Box 202028 Florence, SC 29502-2028. Failure to provide evidence of adequate insurance may result in the placement of coverage at your expense.
`If your property is damaged by fire, flood or by any other cause, you must notify us immediately and we will instruct you on how to proceed.
`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 refer to the contact
`information on the front page of this statement.
`Supplemental tax bills are generally borrower's responsibility as the bills are sent directly to the borrowers from your tax office and no information or reporting regarding
`these bills are provided to us. However, if your closing agent collected funds at the time of settlement of your loan in anticipation of a supplemental tax bill being issued,
`then please submit to us for review at SupplementalTaxes@loanadministration.com.
`All Tax Exemption requests must be submitted by YOU directly to your tax office. If approved, please refer to the contact information on the front page of this statement.
`Any changes made by your tax office to the property covered under this mortgage (i.e. new parcel number, parcel split) must be communicated to us by calling the customer
`service number located on the front page of this statement, so that our records can be updated.
`
`Please print any changes to your name or address below:
`
`Name:________________________________________________________________________________
`
`Street:________________________________________________________________________________
`
`City:_______________________________________State:_______________________ Zip: __________
`
`Home Phone:_______________________________Business Phone:______________________________
`
`E-mail Address:_________________________________________________________________________
`
`Please mark the reason for the change and attach a copy of the recorded document, license, decree, or certifi cate
`if applicable.
`
`( ) Address Change
`
`( ) Name Change ( ) Marriage ( ) Divorce ( ) Death
`
`Thank You
`For Your Business
`Throughout The
`Year!
`
`

`

`FILED: QUEENS COUNTY CLERK 03/06/2024 02:57 PM
`Representation of Printed Document
`NYSCEF DOC. NO. 26
`
`INDEX NO. 727200/2023
`
`RECEIVED NYSCEF: 03/06/2024
`7-836-CHC01-0046861-002-000-010-000-000
`
`Account Number:
`
`0177714557
`
`GERARDO MANNIELLO
`LAUREN MORGENSTERN
`2540 SHORE BLVD UNIT PH18D
`ASTORIA NY 11102-3941
`
`Transaction Activity (01/18/2024 to 02/20/2024)
`
`Effective Date
`Date
`Your Taxes Paid in 2023 = $3,153.22
`
`Description
`Your Interest Paid in 2023 = $24,727.22
`
`Charges
`
`Payments
`
`

`

`FILED: QUEENS COUNTY CLERK 03/06/2024 02:57 PM
`Representation of Printed Document
`NYSCEF DOC. NO. 26
`
`INDEX NO. 727200/2023
`
`RECEIVED NYSCEF: 03/06/2024
`
`7-836-CHC01-0046861-002-000-010-000-000
`
`Loan Number: 0177714557
`
`Property Address:
`
`2540 SHORE BLVD PH18D
`ASTORIA, NY 11102
`
`Total amount due needed to bring your account current $22,503.94
`
`Description
`
`Principal/Interest/Escrow:
`
`Optional Insurance:
`
`Late Charge Fees:
`
`NSF Fees:
`
`FEE - PROPERTY INSPECT:
`
`LATE CHARGE FEE:
`
`MISC Fees:
`
`Recoverable Advances:
`
`Total Amount Due:
`
`Amount
`
`$22,120.94
`
`$0.00
`
`$323.00
`
`$0.00
`
`$20.00
`
`$64.60
`
`$0.00
`
`$60.00
`
`$22,503.94
`
`Date upon which the total amount due specified above will expire and no longer be sufficient to bring the account current on 03/21/24.
`
`

`

`FILED: QUEENS COUNTY CLERK 03/06/2024 02:57 PM
`FILED: QUEENS COUNTY CLERK 03/06/2024 02:57 P
`NYSCI EF DOC. NO. 26
`NYSCEF DOC. NO. 26
`
`IND
`EX NO.
`727200/2023
`INDEX NO. 727200/2023
`
`
` RIVE iD
` EF’:
`
`03/06/2024
`RECEIVED NYSCEF: 03/06/2024
`
` NYSCI
`
`