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274 MORTGAGE LOAN STATEMENT

STATEMENT DATE PAYMENT DUE DATE
01/18/2024 02/01/2024
RETURN SERVICE ONLY

AMOUNT DUE
PLEASE DO NOT SEND MAIL TO THIS ADDRESS LOAN NUMBER
PO Box 818060
5801 Postal Road 1102595368
Cleveland, OH 44181
PROPERTY ADDRESS $9,815.10
12129 BARNSLEY RESERVE If payment is received on or
PLACE after 02/17/2024, a $79.29
GIBSONTON, FL 33534 late fee will be charged.
QUESTIONS? WE’RE HERE TO HELP.
CUSTOMER SERVICE: 888-480-2432 YOUR Dedicated Loan Specialist is:
MICHAEL FORD Mon-Thu 7 a.m. to 8 p.m. (CT) Shenna Bishop
VICTORIA FORD Fri 7 a.m. to 7 p.m. (CT) AND CAN BE REACHED AT:
Sat 8 a.m. to 12 p.m. (CT) (866)-316-2432
12129 BARNSLEY RESERVE PLACE or via mail at:
www.mrcooper.com
GIBSONTON, FL 33534 Lake Vista 4
800 State Highway 121 Bypass
Lewisville, TX 75067

PRINCIPAL

ACCOUNT OVERVIEW
$526.74

INTEREST BEARING INTEREST RATE

PRINCIPAL BALANCE
3.875%
REGULAR $327,989.57
MONTHLY PAYMENT INTEREST ESCROW BALANCE

$2,609.43 $1,059.13
-$2,559.27
The Principal Balance does not represent the payoff amount of your
account and is not to be used for payoff purposes.

PAST PAYMENTS BREAKDOWN

ESCROW
CATEGORY PAID SINCE PAID YEAR
TAXES 12/20/2023 TO DATE
& INSURANCE PRINCIPAL $0.00 $0.00
$1,023.56 INTEREST $0.00 $0.00
ESCROW (TAXES & INSURANCE) $0.00 $0.00
OPTIONAL INSURANCE $0.00 $0.00

EXPLANATION OF AMOUNT DUE FEES & CHARGES $0.00 $0.00

LENDER PAID EXPENSES $0.00 $0.00
REGULAR MONTHLY PAYMENT $2,609.43
TOTAL FEES & CHARGES $79.29 PARTIAL PAYMENT (UNAPPLIED) $0.00 $0.00
OVERDUE PAYMENT(S) $7,126.38
PARTIAL PAYMENT (UNAPPLIED) $0.00 TOTAL $0.00 $0.00
TOTAL AMOUNT DUE $9,815.10
TRIAL/WORKOUT PAYMENT AMOUNT $0.00
*Please call Mr. Cooper to request the full amount owed on your account as the amount due may be
different than stated here due to interest and other charges or credits.

HERE’S SOME HELPFUL INFORMATION

As shown above, your escrow account has a negative balance. This shortage in your escrow account may result in an increase in your monthly
escrow payment. We recommend you make additional payments to your escrow to eliminate or reduce the shortage.
"Total Fees & Charges" include, but are not limited to, insufficient fund fees, or convenience fees. These fees & charges appear in the "Other"
category of the Transaction Detail, if applied since the last billing cycle.
Want to make payments even easier? Pay online at www.mrcooper.com, on the go with the Mr. Cooper app, or by setting up AutoPay . No
matter how you pay, we’ll never charge a transaction fee.

TRANSACTION ACTIVITY (12/20/2023 to 01/18/2024)

DATE DESCRIPTION TOTAL PRINCIPAL INTEREST ESCROW OTHER
01/17/2024 BORR PAID MI DISBURSED $73.07 $73.07
01/17/2024 Late Charge Assessed $79.29 $79.29
Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr. Cooper. Mr. Cooper is a registered
service mark of Nationstar Mortgage LLC. All rights reserved.
If you are a successor in interest (received the property from a relative through death, devise, or divorce, and you are not a borrower on the loan) that has not assumed, or
otherwise become obligated on the debt, this communication is for informational purposes only and is not an attempt to collect a debt from you personally.

✂ DETACH HERE AND RETURN WITH YOUR PAYMENT. PLEASE ALLOW A MINIMUM OF 7 TO 10 DAYS FOR POSTAL DELIVERY.

ACCOUNT NUMBER TOTAL AMOUNT DUE*

1102595368 02/01/2024 $9,815.10
□
www.mrcooper.com
PLEASE CHECK BOX IF MAILING ADDRESS OR
WRITE YOUR LOAN NUMBER ON YOUR
PHONE NUMBER HAS CHANGED. ENTER
CHECK OR MONEY ORDER AND MAKE PAYMENT DUE IF RECEIVED ON OR AFTER
CHANGES ON BACK OF COUPON PAYABLE TO MR. COOPER* 02/17/2024 $9,894.39
MICHAEL FORD
VICTORIA FORD

ADDITIONAL ESCROW $
MR. COOPER **ADDITIONAL PRINCIPAL $
PO BOX 60516
CITY OF INDUSTRY, CA 91716-0516 FEES $
LENDER PAID EXPENSES $
TOTAL AMOUNT OF YOUR CHECK
DO NOT SEND CASH
**All amounts must be paid in full before additional principal can be made.

91 11025953680 000981510 000989439

IMPORTANT PAYMENT INFORMATION
• It is important to use the remittance stub and envelope provided SERVICEMEMBERS CIVIL RELIEF ACT
since both contain computer encoding that will help ensure prompt The Servicemembers Civil Relief Act (SCRA) may offer protection or relief to members of the military
and accurate posting of payments. Always include your loan number who have been called to active duty. If you are a member of the military who has been called to active
on your check or money order. However, should you not receive your duty or received a Permanent Change of Station order and you have not already made us aware, please
statement, DO NOT DELAY PAYMENT. Simply write your loan forward a copy of your orders to us at:
number on your check or money order and mail to the payment address Mr. Cooper, Attn: Military Families, P.O. Box 619098, Dallas, TX 75261-9741, fax 855-856-0427 or
as provided in the Contact Information section below. email MilitaryFamilies@mrcooper.com. Be sure to include your loan number with the copy of the
• Do not send cash or correspondence as this could delay processing. orders. Please visit our website at www.mrcooper.com for complete details regarding Legal Rights and
Correspondence should be sent to the address provided in the Protections Under the SCRA.
Contact Information section below. LATE CHARGES AND OVERDRAFT FEES
• Please be advised that if your account is delinquent or if there are Payments received and posted after a grace period will be assessed a late charge. The late charge
fees and charges due, your account may not be paid ahead nor may rate and number of grace days are shown on your Note. Please allow adequate time for postal delays
principal reduction payments be applied. When Mr. Cooper receives as the receipt and posting date will govern the assessment of a late charge. Partial payments cannot
a remittance that is in excess of a payment amount, that excess is be applied. If a payment is credited to your account and subsequently dishonored by your bank,
applied to your account in accordance with a predetermined sequence: Mr. Cooper will reverse that payment and assess your loan account an insufficient funds fee of up to
1) Principal and Interest due; 2) Applicable Escrow amounts; 3) Fees $50.00, as permitted by applicable law. (This fee may vary by state.)
and other charges assessed to your account. Once this sequence has HOMEOWNER COUNSELING NOTICE
been satisfi ed, you may give specific instructions as to how you would If your loan is delinquent, you are entitled to receive homeownership counseling from an agency
like excess amounts to be applied to your account by noting your approved by the United States Department of Housing and Urban Development (HUD). A list of the
preference on the face of your remittance stub. HUD-approved, nonprofit homeownership counseling agencies may be downloaded from the Internet
• Any lump sum received that is not accompanied by a payoff quote at: https://apps.hud.gov/offices/hsg/sfh /hcc/hcs.cfm or by calling the HUD toll free number 1-800-569-
will be applied according to our standard payment application rules. 4287 (toll free TDD number 1-800-877-8339) to obtain a list of approved nonprofi t agencies serving your
This will not result in satisfaction and reconveyance/release unless residential area.
amount tendered satisfies all amounts due and owing on the account. NEW YORK STATE RESIDENTS
• A Schedule of Fee for Select Services may be found on our website at For those customers who reside in the state of New York, a borrower may fi le complaints about the Servicer
www.mrcooper.com. with the New York State Department of Financial Services or may obtain further information by calling
the Department’s Consumer Help Unit at 1-800-342-3736 or by visiting the Department’s website at
www.dfs.ny.gov. Mr. Cooper is registered with the New York Superintendent of Financial Services.
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.

PAYMENT OPTIONS
AUTOPAY Allows you to have your payment automatically debited, each month, from the checking or savings account of your choice. Mr. Cooper does not charge a fee to activate this
service. Call 888-480-2432 for more information or visit our website at www.mrcooper.com.

ONLINE PAYMENT Allows you to sign in to your account anytime to make a payment. There is no charge for this service. Sign in to www.mrcooper.com.

AUTOMATED PHONE PAYMENT Is a pay-by-phone service provided through our automated phone system. There is no charge for this service. Call 888-480-2432.

PAY BY MAIL Detach the coupon provided with this statement and mail it with your check or money order in the envelope provided. Please write your loan number on your payment
and allow adequate time for postal delays as the receipt and posting date will govern the assessment of late charges. Send payment via express or overnight mail to
Mr. Cooper, Attn: Payment Processing - 650783, 3000 Kellway Drive, Suite 120, Carrollton, TX 75006.

WIRE Allows you to send payoff/reinstatement funds via wire transfer. Visit our website www.mrcooper.com or refer to your payoff statement for wiring instructions.

MONEYGRAM® EXPRESSPAYMENT® Ensures same-day delivery of your payment to Mr. Cooper. Visit your local MoneyGram Agent. Call 1-800-926-9400 to locate the one nearest
you. Complete the ExpressPayment form, providing your name and Mr. Cooper loan number. The MoneyGram Receive Code is ***1678***. All ExpressPayment transactions require
cash. The agent will charge a fee for this service.

WESTERN UNION® QUICK COLLECT® Ensures same-day delivery of your payment to Mr. Cooper. Visit your local Western Union Agent. Call 1-800-325-6000 to locate the one nearest
you. Complete the Quick Collect form with your name and Mr. Cooper loan number, indicating:
Pay to: Mr. Cooper Code City: MRCOOPER State: TX
All Quick Collect transactions require cash. Western Union will charge a fee for this service.

NOTICE TO CUSTOMERS MAKING PAYMENTS BY CHECK

Authorization to Convert Your Check: If you send us a check to make your payment, your check may be converted into an electronic fund transfer. An electronic fund transfer is
the process in which your fi nancial institution transfers funds electronically from your account to our account. By sending your completed signed check to us, you authorize us to copy
your check and use the information from your check to make an electronic funds transfer from your account for the same amount as the check. If the electronic fund transfer cannot be
processed for technical reasons, you authorize us to process the copy of your check.
Insufficient Funds: The electronic fund transfer from your account will usually occur within 24 hours of our receipt of your check. If the electronic fund transfer cannot be completed
because of insufficient funds, you may be assessed an NSF fee in connection with the attempted transaction.
Transaction Information: The electronic fund transfer from your account will be on the account statement you receive from your fi nancial institution. You will not receive your
original check back from your financial institution. For security reasons, your original check will be destroyed, but we will keep a secured copy of the check for record keeping purposes.
Your Rights: You should contact your fi nancial institution immediately if you believe that the electronic fund transfer reported on your statement was not properly authorized or is
otherwise incorrect. Consumers have protections under the Electronic Fund Transfer Act for any unauthorized or incorrect electronic fund transfer.

CONTACT INFORMATION
CUSTOMER SERVICE: 888-480-2432, Monday through Thursday 7 a.m. to 8 p.m. (CT), Friday 7 a.m. to 7 p.m. (CT), a nd Saturday 8 a.m. to 12 p.m. (CT)
[Calls may be monitored and/or recorded for quality assurance purposes].
24-HOUR AUTOMATED ACCOUNT INFORMATION: Sign in to www.mrcooper.com OR call 888-480-2432.
MAILING ADDRESSES: For Mr. Cooper are listed below. Please carefully select the address suited to your needs and remember, sending payments to any address other than the one
specifically identified for payments will result in delays and may result in additional fees being assessed to your account.
PAYMENTS: NOTICE OF ERROR/ OVERNIGHT DELIVERY INSURANCE RENEWALS/ TAX NOTICES/ BANKRUPTCY NOTICES/
INFORMATION CORRESPONDENCE: BILLS: BILLS: PAYMENTS:
REQUEST/QWR*:
PO Box 60516 PO Box 619098 Lake Vista 4 PO Box 7729 PO Box 9225 PO Box 619094
City of Industry, CA Dallas, TX 75261-9741 800 State Highway 121 Bypass Springfield, OH 45501-7729 Coppell, TX 75019 Dallas, TX 75261-9741
91716-0516 Lewisville, TX 75067 Fax (800) 687-4729 Fax (817) 826-1861
*PURSUANT TO RESPA, A “QUALIFIED WRITTEN REQUEST” (QWR) REGARDING THE SERVICING OF YOUR LOAN, A NOTICE ASSERTING THAT
AN ERROR OCCURRED WITH RESPECT TO YOUR LOAN OR A NOTICE REQUESTING INFORMATION WITH RESPECT TO YOUR LOAN MUST
BE SENT TO THIS ADDRESS: Mr. Cooper PO Box 619098, Dallas, TX 75261-9741, Attn: Customer Relations Offi cer. A “qualified written request” must comply
with the requirements of RESPA, as follows: Qualified written request; defi ned. A qualified written request means a written correspondence (other than notice on a
payment coupon or other payment medium supplied by the servicer) that includes, or otherwise enables the servicer to identify, the name and account of the borrower,
and includes a statement of the reasons that the borrower believes the account is in error, if applicable, or that provides sufficient detail to the servicer regarding information
relating to the servicing of the loan sought by the borrower. A QWR, notice of error or request for information is not timely if it is delivered to a servicer more than 1-year
after either the date of transfer of servicing or the date that the mortgage loan is discharged, whichever date is applicable.
Mr. Cooper, its affi liates, successors or its assigns or their officers, directors, agents, or employees, are neither liable nor responsible for, or make any representation
regarding the products or services offered on any enclosed inserts.

CHANGE OF ADDRESS OR TELEPHONE NUMBER

CHECK THE APPROPRIATE BOX: MAILING ADDRESS TELEPHONE NUMBER LOAN #:

Borrower’s Name: Co-Borrower’s Name:

Borrower’s New Address: Co-Borrower’s New Address:

Authorized Borrower’s Number(s): Authorized Co-Borrower’s Number(s):

Home: ( ) Mobile: Yes No Home: ( ) Mobile: Yes No
Work: ( ) Ext: Mobile: Yes No Work: ( ) Ext: Mobile: Yes No
Other: ( ) Mobile: Yes No Other: ( ) Mobile: Yes No

Signature Required: Signature Required:

I consent to being contacted by Mr. Cooper at any telephone number I have provided. This includes, but is not limited to, calls from your dialing system to my cellular or mobile telephone.
 01/18/2024 OUR INFO
RETURN SERVICE ONLY CUSTOMER SERVICE
PLEASE DO NOT SEND MAIL TO THIS ADDRESS
PO Box 818060 888-480-2432
5801 Postal Road
Cleveland, OH 44181 Mon-Thu 7 a.m. to 8 p.m. (CT)
Fri 7 a.m. to 7 p.m. (CT)
Sat 8 a.m. to 12 p.m. (CT)
ONLINE
www.mrcooper.com
LOAN NUMBER
MICHAEL FORD 1102595368
VICTORIA FORD
PROPERTY ADDRESS
12129 BARNSLEY RESERVE PLACE
GIBSONTON, FL 33534 12129 BARNSLEY RESERVE PLACE
GIBSONTON, FL 33534

Dear Michael Ford and Victoria Ford:

At Mr. Cooper, we’re committed to helping homeowners find solutions that could help them stay in their home and continue enjoying all the
benefits of homeownership. Even in times of difficulties.

Why am I receiving this letter?

As of 01/18/2024, you are 79 days delinquent on your mortgage loan. Your mortgage payment is currently past due for 11/01/2023 and your
last full contractual payment was received on 10/16/2023. Here is a recent payment history, and the reason for our concern:

RECENT ACCOUNT HISTORY

PAYMENT DUE 08/01/2023 Fully paid on 08/15/2023 PAYMENT DUE 11/01/2023 Unpaid balance of $2,375.46
PAYMENT DUE 09/01/2023 Fully paid on 09/15/2023 PAYMENT DUE 12/01/2023 Unpaid balance of $2,375.46
PAYMENT DUE 10/01/2023 Fully paid on 10/16/2023 PAYMENT DUE 01/01/2024 Unpaid balance of $2,375.46

CURRENT CONTRACTUAL PAYMENT DUE 02/01/2024: $2,609.43

AS OF 01/18/2024 THE TOTAL AMOUNT DUE IS $9,815.10. You must pay this amount to bring your loan current.

Please call us to request the full amount owed on your account as the amount due may be different than stated here due to interest and other
charges or credits.

What do I need to know?

Failure to bring your loan current may result in fees, possibly even foreclosure and the loss of your home. We are here to help. You do have
options. *Here are some of the solutions that may be available, depending on your situation:
Modifying the terms of your current loan.
Receiving a payment forbearance that temporarily gives you more time to pay your monthly payment.
If you simply can’t pay your mortgage, an alternative to foreclosure may be selling your home and using the proceeds to pay off
your current loan. A short payoff may be acceptable, or a deed in lieu of foreclosure may be an option.

Additional resources are also available. For extra help, you can reach out to housing counselors who’ll work as your advocate while
exploring solutions that could help you keep your home.

The Consumer Financial Protection Bureau: http://www.consumerfinance.gov/mortgagehelp

The Department of Housing and Urban Development (HUD): http://www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
HUD Housing Counseling Agency Locator: (800) 569-4287
The Homeowners HOPE™ Hotline Number: (888) 995-HOPE

What do I need to do?

The sooner we hear from you, the sooner we can help get your homeownership back on track.
If you've already reached out for help, don't worry, that process is still proceeding and no further action is required.

If you have any questions, your Dedicated Loan Specialist is Shenna Bishop and can be reached at (866) 316-2432 or via mail at Lake Vista 4, 800 State
Highway 121 Bypass, Lewisville, TX 75067. Our office hours are Monday through Thursday from 7 a.m. to 8 p.m. (CT), Friday from 7 a.m. to 7 p.m. (CT) and
Saturday from 8 a.m. to 12 p.m. (CT). Visit us on the web at www.mrcooper.com for more information.

Sincerely,
The Loss Mitigation Department at Mr. Cooper

*Borrower must meet certain requirements to qualify for any of the options/products referenced. Terms are subject to change.

Mr. Cooper is a brand name for Nationstar Mortgage LLC. Nationstar Mortgage LLC is doing business as Nationstar Mortgage LLC d/b/a Mr.
Cooper. Mr. Cooper is a registered service mark of Nationstar Mortgage LLC. All rights reserved.
If you are a successor in interest (received the property from a relative through death, devise, or divorce, and you are not a borrower on the
loan) that has not assumed, or otherwise become obligated on the debt, this communication is for informational purposes only and is not an
attempt to collect a debt from you personally.
2-20
Servicemembers Civil Relief U.S. Department of Housing OMB Approval No. 2502-0584
Act Notice Disclosure and Urban Development Expire 11/30/2024
Office of Housing

Legal Rights and Protections Under the SCRA

Servicemembers on “active duty” or “active service,” or a spouse or dependent of such a servicemember
may be entitled to certain legal protections and debt relief pursuant to the Servicemembers Civil Relief Act
(50 USC §§ 39014043) (SCRA).

Who May Be Entitled to Legal Protections Under the SCRA?

 Regular members of the U.S. Armed Forces (Army, Navy, Air Force Marine Corps and
Coast Guard).
 Reserve and National Guard personnel who have been activated and are on Federal active duty
 National Guard personnel under a call or order to active duty for more than 30 consecutive days under
section 502(f) of title 32, United States Code, for purposes of responding to a national emergency
declared by the President and supported by Federal funds
 Active service members of the commissioned corps of the Public Health Service and the
National Oceanic and Atmospheric Administration.
• Certain United States citizens serving with the armed forces of a nation with which the United
States is allied in the prosecution of a war or military action.

What Legal Protections Are Servicemembers Entitled To Under the SCRA?

 The SCRA states that a debt incurred by a servicemember, or servicemember and spouse jointly, prior to entering
military service shall not bear interest at a rate above 6 % during the period of military service and one year thereafter,
in the case of an obligation or liability consisting of a mortgage, trust deed, or other security in the nature of a
mortgage, or during the period of military service in the case of any other obligation or liability.
 The SCRA states that in a legal action to enforce a debt against real estate that is filed during, or within one
year after the servicemember’s military service, a court may stop the proceedings for a period of time, or
adjust the debt. In addition, the sale, foreclosure, or seizure of real estate shall not be valid if it occurs
during or within one year after the servicemember’s military service unless the creditor has obtained a valid
court order approving the sale, foreclosure, or seizure of the real estate.
 The SCRA contains many other protections besides those applicable to home loans.

How Does A Servicemember or Dependent Request Relief Under the SCRA?

 In order to request relief under the SCRA from loans with interest rates above 6% a servicemember or
spouse must provide a written request to the lender, together with a copy of the servicemember’s military
orders.
Mr. Cooper, Attn: Military Families, PO Box 619098, Dallas, TX 75261-9741
 There is no requirement under the SCRA, however, for a servicemember to provide a written notice or a
copy of a servicemember’s military orders to the lender in connection with a foreclosure or other debt
enforcement action against real estate. Under these circumstances, lenders should inquire about the military
status of a person by searching the Department of Defense’s Defense Manpower Data Center’s website,
contacting the servicemember, and examining their files for indicia of military service. Although there is no
requirement for servicemembers to alert the lender of their military status in these situations, it still is a good
idea for the servicemember to do so.

How Does a Servicemember or Dependent Obtain Information About the SCRA?

 Servicemembers and dependents with questions about the SCRA should contact their unit’s Judge
Advocate, or their installation’s Legal Assistance Officer. A military legal assistance office locator for all
branches of the Armed Forces is available at https://legalassistance.law.af.mil/

 “Military OneSource” is the U. S. Department of Defense’s information resource. If you are listed as entitled
to legal protections under the SCRA (see above), please go to www.militaryonesource.mil/legal or call
(800) 342-9647 (toll free from the United States) to find out more information. Dialing instructions for
areas outside the United States are provided on the website.

form HUD-92070
(6/2017)