“How to Read” your statement 1 Account Payment Summary — Account Number: This is your personal account number that identifies your loan. Remember to 2 Explanation of Amount Due — Contains a summary of the payment amount due including principal, interest, escrow, late 3 Past Payment Breakdown — Contains a summary of the previous payments received after your last Mortgage Account Statement, 4 Account Information — Property Address: 5 keep it confidential. It enables us to answer your questions quickly. Payment Due Date: The date by which we expect to receive your payment. Amount Due: The monthly payment that includes principal, interest, escrow, fees, and other amounts due, as applicable. The late charge amount and date the charge will be assessed is also noted here. charges, fees, and past due amounts, as applicable. including how the payments have been applied to your account for the past month and year to date. Where your mortgaged property is located. Type of Mortgage: Type of loan you have, such as adjustable or fixed rate. Outstanding Principal Balance: The amount of principal remaining on your loan through the statement date. This is not a payoff amount. Interest Rate: The rate you are paying as of the statement date. Escrow Balance: The amount of funds currently held in your escrow account, if applicable. Taxes Paid Year to Date: The amount of taxes you have paid as of the statement date, if applicable. Transaction Activity — The date, description, and amount of all charges and credits that have occurred on the account as of your last statement. 1 2 4 3 5 tice Delinquency No esulltt in resu loan current may re to bring your payments. Failu your mortgage you are late on ng your home. erni As of 08/17/13, conc ns tional actio fees and/or addi on 05/04/13 ent amount paid History 3/13 Monthly Paym Recent Account unt paid on 06/0 05/01/13: Regular due ent 6/13 ● thly Payment amo Paym unt paid on 07/0 1/13: Regular Mon amo 06/0 ent due Paym ent ● $1,041.57 Paym Regular Monthly ent amount of 1/13: Paym 07/0 thly due ● $1,041.57 ular Mon Payment ent amount of 1/13: Unpaid Reg ● ular Monthly Paym $1,041.57 Payment due 08/0 ent amount of 1/13: Unpaid Reg 8 ● ular Monthly Paym of this statement: $4,166.2 Payment due 09/0 Reg aid Unp 1/13: tion of Amount as ● ment amount in the “Explana Payment due 10/0 o your to ular Monthly Pay charges and fees represented billed or posted ● been late Total Unpaid Reg not any de have in the exact ain not inclu or any fees that 8-7918 to obta nt 0-23 eme This amount does 1-80 stat at o bring your page 1 of your act CitiMortgage needed to cont unt se amo t Plea Due” section on . exac statement date unt and/or the account as of the cure the default on your acco to amount needed ng agencies are date. ling seli nse oun account up to d housing cou and 6 296701 6 ng ling seli nse oun cou HUD-approve and foreclosure situation or ncial Difficulty: eriencing Fina information about mortgage ourr individual ut you If You Are Exp ide you with the to speak with an expert abo 7 available to prov 428 cs.cfm 1-800-569assistance. Call .hud.gov/offices/hsg/sfh/hcc/h visit HUD at www Delinquency Notice — You will see this section only if your account is more than 45 days past due. This section indicates the date on which the account became past due, as well as details your monthly payment history for the previous six months.