SLMR $1,864.

12

P.O. Box 5001 Monthly Mortgage Statement

Westfield, IN 46074

0048028 SP 9726 -C03-P00000-I

Statement Date 11/15/24

Account Number 4000932976

10101010101010101010
RAMON GAMEZ
11001000000000010101
Amount Due $1,864.12
10001001010111111000
10100001001010110011
10000010101010110110
10001110110001110111
10011111001011011100
10001011011101001011
10110010100000000010
7719 MAIE AVE
11110111001000100001
10010101000101000110
11100010100111101001
11110010010010101100
10011101011100100111
11111111100001100010
11011011000010111001
11011110110010111000
LOS ANGELES CA 90001
11011111111001111101
10001010000001111010
11111111111111111111 Due Date: 12/01/24

If payment is received after 12/16/24, a $57.29 late fee will be charged.

This mortgage statement is for your records only. Your scheduled

payment(s) for this billing cycle, totaling $1,864.12, will be made directly

through our auto draft system.

Contact Us:

1-800-561-4567 800-486-5134

www.CarringtonMortgage.com

Account Information
Home financing available

Property Address: Modification Date: N/A Contact us at (844) 833-2685

7719 MAIE AVE Maturity Date: 10/01/2051 www.CarringtonHomeLoans.com

LOS ANGELES CA 90001 Interest Rate: 2.625%

Prepayment Penalty: No

Explanation of Amount Due Current Loan Balances Past Payment Breakdown

Paid Last Month Paid Year to Date

Principal: $707.21 Principal Balance*: $331,523.41
X

Interest: $725.21 Escrow Balance: $694.93 Principal $705.67 $7,678.21

9726-03-00-0048028-0001-0109657-STD

$431.70 Past Due Balance: $0.00 Interest $726.75 $8,078.41

Escrow:

(Taxes and/or Insurance)* Deferred Balance(s): N/A Escrow (Taxes and/or Insurance)* $431.70 $4,674.60

Reg. Monthly Payment: $1,864.12 Buydown Balance: N/A Fees and Charges $0.00 $0.00

Partial Claim: N/A Unapplied Funds $0.00 $0.00

Overdue Payment: $0.00
Negative Amortization: N/A Total $1,864.12 $20,431.22
Total Fees Charged: $0.00
Unapplied Funds: $0.00 * Please see page 3 of this statement for additional information.
Total Amount Due: $1,864.12

* Your current Principal Balance is not a payoff quote.

See page 3 for Loan Payoff Information.

p Please detach and return with your payment p

Amount Due $1,864.12

Loan Number: 4000932976 Due Date: 12/01/24

RAMON GAMEZ
Late charge if received after 12/16/24: $57.29

7719 MAIE AVE

Make a payment at www.CarringtonMortgage.com Late Payment Amount if received after 12/16/24: $1,921.41

LOS ANGELES CA 90001

Pay by Check or AutoPay for free! This mortgage statement is for your records only. Your scheduled payment(s) for

this billing cycle, totaling $1,864.12, will be made directly through our auto draft

system.

Payment Due $ .

Additional Principal $ .

Additional Escrow $ .

CARRINGTON MORTGAGE SERVICES LLC Late Charge $ .

PO Box 7015 Carrington Charitable

$ .
Pasadena, CA 91109-7015 Foundation Donation**

Total Amount Enclosed $ .

000701540009329760001864120001921410
 Monthly Mortgage Statement

Account Number: 4000932976 · Page 2 of 5

Transactions Since Your Last Statement

Date Description Amount Principal Interest Escrow Late Charge Suspense Miscellaneous
10101010101010101010
11001000000000010101
10000001010111111000
10101101001010111011
10100100101010101010
11/05 Mortgage Insurance Disbursement $215.12 - - $215.12 - - - 10000110110000010011
10001111001010110000
10001011011000101101
10110010100100101000
11110111000100001001
10010101011011000110
11100010000100110001
11110010101011011000
10011011010001010111
11111111110110110110
11/15 Mortgage Payment Applied $1,864.12 $705.67 $726.75 $431.70 - - - 11000110101011001001
11000100100011001110
11000010011010111101
10001000100001101010
11111111111111111111

SPECIAL INFORMATION

Partial Payment Policy If you choose to mail a payment, or are mailing additional principal or escrow funds, please complete and

Any partial payments that you make are not applied to your mortgage, but instead are held in a separate detach the coupon portion of this statement, and mail it with the check or money order to the Payment

suspense account. If you pay the balance of a partial payment, the funds will then be applied to your Processing Center using the return envelope provided. Be sure that the address shows through the window

mortgage. If you are subject to a pending bankruptcy proceeding, please contact our Customer Service of the envelope. Be sure to write your account number on the check or money order. PLEASE DO NOT

department for additional information regarding payment application. SEND CASH. Please do not send the entire statement. Please do not include correspondence on or with the

payment.

Principal Only Payments

Important Note: For a principal only payment, Carrington will not apply that payment to principal if there Paying Your Loan Ahead

are any scheduled payments past their due date including any outstanding unpaid fees and costs owed on We allow you to prepay your periodic payments one month in advance. If you want to prepay more than

the account. Carrington will apply those funds when a full contractual amount is received to satisfy any one periodic payment, please contact us. Without written instructions from you, any attempt to prepay

scheduled payments past their due date, including any outstanding unpaid fees and costs owed on the more than one periodic payment on your loan will result in your payments being applied to the principal

account. Any extra funds received will be applied towards the principal. balance of your loan.
X
9726-03-00-0048028-0001-0109657-STD

Contact Us: 1-800-561-4567 800-486-5134 www.CarringtonMortgage.com

Visit www.CarringtonMortgage.com to make your payment today! Pay by Check or AutoPay at no

charge! Additional Payment options available at www.CarringtonMortgage.com.

 Monthly Mortgage Statement

Account Number: 4000932976 · Page 3 of 5

Important Bankruptcy Notice 2. At the Agent location, select and fill in the blue Additional Information

Payment Form completely. Include the following information:

If you have been discharged from personal liability on the Escrow - This portion of the mortgage payment may include amounts

Pay to: Carrington Mortgage Services, LLC

mortgage because of bankruptcy proceedings and have not collected for mortgage insurance premiums.

Receive Code: 7998

reaffirmed the mortgage, or if you are the subject of a pending

Negative Amortization - The unpaid principal balance includes the

3. Be sure your name and account number are
bankruptcy proceeding, this letter is not an attempt to collect

negative amortization balance, if applicable. Negative amortization only

correctly written on the form.
a debt from you but merely provides informational notice

occurs on certain loan products.

This transaction will cost you a nominal fee. To contact
regarding the status of the loan. If you are represented by an

Money-Gram Customer Service, please call 1-800-555-3133.

attorney with respect to your mortgage, please forward this
Privacy Notice

document to your attorney.

Note: Payments transmitted to our office after the close of Federal law requires us to tell you how we collect, share, and protect your

business will be applied to your account the next business personal information. Our privacy policy has not changed and you may
Payment Information

day. review our policy and practices with respect to your personal information
Please visit the website at www.CarringtonMortgage.com for
at www.CarringtonMortgage.com/Legal/PrivacyPolicy.
convenient payment options. Payments can be made by Check or
Insurance

AutoPay at no charge. Information about additional payment options is

Errors and Information Requests (inquires & complaints)
Hazard Insurance - Fire and extended coverage is required on all

available at www.CarringtonMortgage.com. If you choose to mail

accounts as specified in your loan documents. Notices of Error, Requests for Information and Qualified Written Requests

a payment, or are mailing additional principal or escrow funds, please

(as defined in RESPA) must be sent to: PO Box 5001, Westfield, IN 46074.

complete and detach the coupon portion of this statement, and mail it Flood Insurance - If your property is located in a designated flood
Please include your account number with all correspondence. You have

with the check or money order to the Payment Processing Center using area, adequate Flood Insurance is required.
certain rights under federal law to resolve errors and request information

the return envelope provided. Be sure that the address shows through
related to your account. For more information, please contact us at
Proof of insurance coverage is required on an annual basis.
the window of the envelope. Be sure to write your account number on
1-800-561-4567, Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern
Please consult with your insurance agent to ensure that we are
the check or money order. PLEASE DO NOT SEND CASH. Please do not
Time.
notified of your policy’s status and that we receive copies of all
send the entire statement. Please do not include correspondence on or

renewal notices. We reserve the right to place insurance coverage to

with the payment. Postdated checks will be processed on the date Servicemembers Civil Relief Act

protect our mortgage interest if your insurance cancels or we are

received unless prohibited by applicable law. The Servicemembers Civil Relief Act (SCRA) may offer protection or relief

not notified of the renewal of your policy. The cost of this lender
including protections from foreclosure as well as interest rate relief to
For your convenience our Payment Processing Center address is:
placed coverage may be higher than the policy of your choice and the
members of the military who have been called to active duty. If either you
Carrington Mortgage Services, LLC
coverage may not be equivalent to your prior policy. Your account will
have been called to active duty, or you are the spouse, registered
PO Box 7015
be charged for this coverage and monthly mortgage payments may
domestic partner, partner in a civil union, or financial dependent of a
Pasadena, CA 91109-7015
increase accordingly.
person who has been called to active duty, and you haven’t yet made us

By providing a check as payment, you authorize us either to use aware of your status, please contact our Military Assistance Team toll free
Property Taxes
information from your check to make a one-time electronic funds at 1-888-267-5474.
If we escrow for your taxes, please forward all bills to us to ensure
transfer from your account or to process the payment as a check
proper payment. Timely payment of Real Estate taxes to the
transaction. Correspondence (for inquiries & complaints)

appropriate taxing authority is required on all Non-Escrow accounts.

Carrington Mortgage Services, LLC P.O. Box 5001, Westfield, IN 46074

When we use information from your check to make an electronic In the event that we are notified of non-payment of taxes by your

funds transfer, funds may be withdrawn from your account as soon as taxing authority, we may exercise our option to advance payment for Overnight Payment Mailing Address:

the same day we receive the payment, and you will not receive your taxes. Carrington Mortgage Services, LLC

check back from your financial institution. NOTE: This will result in an increase in monthly mortgage Cashiering Dept. 2-270

payments. 1600 South Douglass Road, Suites 110 & 200-A

X

Returned payments. If we receive a total of two (2) returned

Anaheim, CA 92806
9726-03-00-0048028-0002-0109656-STD

payments within a six-(6)-month period, we will only accept certified Important Notices

funds as a form of payment for a period of six (6) months ("certified Mini Miranda - This communication is from a debt collector and it is
Important Telephone Numbers

funds only period"). If you are enrolled in AutoPay or making payments for the purpose of collecting a debt and any information obtained will Customer Service (for inquiries & complaints): 1-800-561-4567

through the IVR or Web/Mobile App, these payment options will not be be used for that purpose. This notice is required by the provisions Customer Service Fax: 1-800-486-5134

available during the certified funds only period and you will need to of the Fair Debt Collection Practices Act and does not imply that we Refinance: 1-888-267-0584

re-enroll to resume using AutoPay or through the Web/Mobile App are attempting to collect money from anyone who has discharged the Payoff Request Fax (include borrower authorization): 1-866-624-6154

after the certified funds only period ends. debt under the bankruptcy laws of the United States.

Loan Payoff Information

Other Payment Options CREDIT REPORTING AND DIRECT DISPUTES - We may report The Current Principal Balance on Page 1 is not your payoff amount.

information about your account to credit bureaus. Late payments, Payoff requests may be obtained by:
Western Union/Quick Collect

missed payments, or other defaults on your account may be reflected · www.CarringtonMortgage.com Log-in to your account
To use Quick Collect to make a payment, follow these easy steps:

in your credit report. As required by law, you are hereby notified that a · Fax: (include borrower authorization): 1-866-624-6154
1. Call 1-800-325-6000, press #2 to locate the Western Union

negative credit report reflecting on your credit record may be · Customer Service Toll Free Telephone: 1-800-561-4567
Agent nearest you or go to www.westernunion.com.

submitted to a credit reporting agency if you fail to fulfill the terms of

2. At the Agent location, select and fill in the blue
Principal Only Payments
your credit obligations. If you have concerns regarding the accuracy of
Payment Form completely. Include the following information:

Important Note: For a principal only payment, Carrington will not apply
any information contained in a consumer report pertaining to this
Pay to: Carrington Mortgage Services, LLC

account, you may send a direct dispute to Carrington Mortgage that payment to principal if there are any scheduled payments past their
City Code: CarringtonMS

Services, LLC by fax to 800-486-5134 or in writing to Carrington due date including any outstanding unpaid fees and costs owed on the
State: CA

Mortgage Services, LLC, and Attention: Customer Service, P.O. Box account. Carrington will apply those funds when a full contractual
3. Be sure your name and account number are

5001, Westfield, IN 46074. Please include your loan number on all amount is received to satisfy any scheduled payments past their due
correctly written on the form.

pages of the correspondence. date, including any outstanding unpaid fees and costs owed on the

This transaction will cost you a nominal fee. To contact Western account. Any extra funds received will be applied towards the principal.

HUD Counselor Information - If you would like counseling or

Union Customer Service, please call 1-800-238-5772.

assistance, you may obtain a list of HUD-approved homeownership

MoneyGram counselors or counseling organizations in your area by calling the

To use MoneyGram to make a payment, follow these easy steps: HUD nationwide toll-free telephone number at (800) 569-4287 or

1. Call 1-800-926-9400 to locate a MoneyGram toll-free TDD (800) 877-8339, or by going to http://www.hud.gov/

Agent or go to https://www.moneygram.com/intl/. offices/hsg/sfh/hcc/hcs.cfm. You can also contact the CFPB at (855)

411-2372, or by going to

www.consumerfinance.gov/find-a-housing- counselor.

Please see reverse side for more information.

04CAR103641

Contact Us: 1-800-561-4567 800-486-5134 www.CarringtonMortgage.com

 Monthly Mortgage Statement

Account Number: 4000932976 · Page 4 of 5

10101010101010101010
11001000000000010101
10000001010111111000
10101101001010111011
10100110101010100010
10000110110001100011
10001111001011101100
10001011011000111001
10110010100111001100
11110111000010111001
10010101011001100110
11100010011101010001
11110011110001111100
State of California Disclosures 10011101101101010011
11111010011000101010
11000011010110011001
11000001000011110100
11011100111111100101
10001010000001110010
11111111111111111111

Carrington Mortgage Services, LLC is licensed by

the Department of Financial Protection and

Innovation under the California Residential

Mortgage Lending Act, File No. 413 0904.

X
9726-03-00-0048028-0002-0109656-STD

Contact Us: 1-800-561-4567 800-486-5134 www.CarringtonMortgage.com

 Monthly Mortgage Statement

Account Number: 4000932976 · Page 5 of 5

Crediting of Payments

We credit mailed payments as of the date received, if the payment is: (1) paid with a check payable to Carrington Mortgage Services, LLC, and drawn in U.S. dollars on a U.S. financial institution or a U.S. dollar money order

that includes your loan number on the check or money order; (2) sent with the payment coupon; and (3) received at the payment address on the payment coupon by 5 p.m., Monday through Friday, excluding federal

holidays, in the time zone of the payment address. Payments received through means other than mail, such as AutoPay, Web Payments on www.CarringtonMortgage.com, and Pay By Phone, will be credited to your account

in accordance with the terms and conditions of those services. Payments that fail to meet applicable requirements may result in crediting delays or may be returned. If your loan is in default, bankruptcy or foreclosure, this

may impact our ability to credit your payments. In addition, one or more payment services may be unavailable and you may be required to pay with certified funds or other forms of payment.

Application of Payments

In general, payments will be applied as described in your loan documents (including any loan modifications), subject to applicable law and any other requirements, such as investor and insurer/guarantor requirements.

Periodic payments received and accepted will first be applied to the longest outstanding periodic payment due. If your loan is not current and you submit additional amounts with a periodic payment, the additional amounts

will be applied to your outstanding periodic payments until your periodic payments are paid current and then applied to fees or other amounts owed on your account before applying the remaining additional amounts as

you instructed. If your loan is not current and the additional amounts you submit with a periodic payment are insufficient to bring your outstanding periodic payments current, then the remaining additional amounts will be

posted to your unapplied funds account. If your loan is current and you submit additional amounts with your current periodic payment due, the additional amounts will be applied to fees or other amounts owed on your

account before applying the remaining additional amounts as you instructed, or, if no instructions are provided, they will be applied to the principal balance of your loan.

Carrington Charitable Foundation

The Carrington Charitable Foundation (CCF) is a 501(c)(3) organization that supports a variety of nonprofit causes and organizations across the United States through fundraising events, donation drives and volunteering.

Our Veteran-focused Signature Programs focus on providing Mobility, Stability, Purpose and Prosperity for Veterans returning from the post-9/11 conflict battlefields. Through these programs, the Foundation honors the

sacrifices of our nation's servicemen and women who have dedicated their lives to protecting our country's freedom by providing specialized transportation, custom adapted housing, transition resources, and employment

assistance. All donations are eligible to be tax-deductible, but you should consult with your tax professional. Donations are strictly voluntary. For more information, including the Foundation's signature programs,

organizations that are supported, and financials, please visit www.carringtoncf.org.

X
9726-03-00-0048028-0003-0109655-STD

04CAR103641

Contact Us: 1-800-561-4567 800-486-5134 www.CarringtonMortgage.com

 10101010101010101010
11001000000000010101
10000001010111111000
10101101001010110011
10101000101010110110
10000110110000010011
10001111001011101000
10001011011011100001
10110010100100010100
11110111000000000001
10010101010011111110
11100011110111010001
11110011010111100000
10011011110001001111
11111001001101101010
11000010010000101001
11010101011110100110
11001010011011111101
10001001000001101010
11111111111111111111
X
9726-03-00-0048028-0003-0109655-STD