Official Form 410S1

Notice of Mortgage Payment Change 12/15

If the debtor’s plan provides for payment of postpetition contractual installments on your claim secured by a security interest in the 

debtor’s principal residence, you must use this form to give notice of any changes in the installment payment amount. File this form

as a supplement to your proof of claim at least 21 days before the new payment amount is due. See Bankruptcy Rule 3002.1.

Name of creditor: _______________________________________ Court claim no. (if known): _____________________

Last 4 digits of any number you use to 

identify the debtor’s account: ____ ____ ____ ____ 

Date of payment change:

Must be at least 21 days after date 

of this notice

____/____/_____

New total payment:

Principal, interest, and escrow, if any

$ ____________

Part 1: Escrow Account Payment Adjustment 

1. Will there be a change in the debtor’s escrow account payment?

q No

q Yes. Attach a copy of the escrow account statement prepared in a form consistent with applicable nonbankruptcy law. Describe

the basis for the change. If a statement is not attached, explain why: ___________________________________________

__________________________________________________________________________________________________

Current escrow payment: $ _______________ New escrow payment: $ _______________

Part 2: Mortgage Payment Adjustment

2. Will the debtor’s principal and interest payment change based on an adjustment to the interest rate on the debtor's 

variable-rate account?

q No

q Yes. Attach a copy of the rate change notice prepared in a form consistent with applicable nonbankruptcy law. If a notice is not 

attached, explain why: _______________________________________________________________________________

__________________________________________________________________________________________________

Current interest rate: _______________% New interest rate: _______________%

Current principal and interest payment: $ _______________ New principal and interest payment: $ _______________

Part 3: Other Payment Change

3. Will there be a change in the debtor’s mortgage payment for a reason not listed above?

q No

q Yes. Attach a copy of any documents describing the basis for the change, such as a repayment plan or loan modification agreement. 

(Court approval may be required before the payment change can take effect.)

Reason for change: ___________________________________________________________________________________

Current mortgage payment: $ _______________ New mortgage payment: $ _______________

Debtor 1 __________________________________________________________________ 

Debtor 2 ________________________________________________________________

(Spouse, if filing)

United States Bankruptcy Court for the: ______________________ District of __________ (State)

Case number ___________________________________________

Fill in this information to identify the case:

Official Form 410S1 Notice of Mortgage Payment Change page 1

U.S. Bank Trust National Association, as 

Trustee of the Bungalow Series IV Trust 14-2

5039

724.16

217.93 183.68

 Rita Dawn Christian-Coles

Eastern Virginia

16-36266-KLP

10 01 2020

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Document Page 1 of 6
Debtor 1 _______________________________________________________ Case number (if known) _____________________________________ First Name Middle Name Last Name

Part 4: Sign Here

The person completing this Notice must sign it. Sign and print your name and your title, if any, and state your address and 

telephone number.

Check the appropriate box.

q I am the creditor.

q I am the creditor’s authorized agent.

I declare under penalty of perjury that the information provided in this claim is true and correct to the best of my 

knowledge, information, and reasonable belief.

û_____________________________________________________________ Date ____/_____/________

Signature

Print: _________________________________________________________ Title ___________________________

First Name Middle Name Last Name

Company _________________________________________________________

Address _________________________________________________________

Number Street

___________________________________________________

City State ZIP Code

Contact phone (______) _____– _________ Email ________________________

Official Form 410S1 Notice of Mortgage Payment Change page 2

X

 Rita Dawn Christian-Coles 16-36266-KLP

/s/ Michelle Ghidotti 09 10 2020

Michelle Ghidotti AUTHORIZED AGENT

Ghidotti Berger, LLP

1920 Old Tustin Ave

Santa Ana, CA 92705

949 427 2010 bknotifications@ghidottiberger.com

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Document Page 2 of 6
SN Servicing Corporation Final

323 FIFTH STREET

EUREKA, CA 95501

For Inquiries: (800) 603-0836

Main Office- NMLS ID #5985, Branch Office- NMLS ID #9785

Analysis Date: August 06, 2020

RITA D CHRISTIAN Loan:

C/O BRETT ALEXANDER ZWERDLING

5020 MONUMENT AVE

HENRICO VA 23230

Property Address:

4912 GLENSPRING ROAD

RICHMOND, VA 23223

Annual Escrow Account Disclosure Statement

Account History

This is a statement of actual activity in your escrow account from June 2020 to Sept 2020. Last year's anticipated activity

(payments to and from your escrow account) is next to the actual activity.

Apr 01, 2020

290.43

1,307.58

540.48

217.93

0.00

0.00 0.00

$1,598.01

$758.41

Payment Information Escrow Balance Calculation

Due Date:

Escrow Balance:

Anticipated Pmts to Escrow:

Anticipated Pmts from Escrow (-):

Anticipated Escrow Balance:

Principal & Interest Pmt:

Escrow Payment:

Other Funds Payment:

Assistance Payment (-):

Total Payment: $724.16

0.00

0.00

183.68

540.48

Current:

**

Effective Oct 01, 2020:

** The terms of your loan may result in changes to the monthly principal and interest payments during the year.

Reserve Acct Payment: 0.00 0.00

Payments to Escrow

Date Anticipated Actual

Payments From Escrow

Anticipated Actual Actual

Escrow Balance

Description Required

Starting Balance 0.00 (145.43)

Jun 2020 217.93 * 0.00 72.50

Jul 2020 217.93 * 0.00 290.43

Anticipated Transactions 0.00 290.43

Aug 2020 1,089.65 1,380.08

Sep 2020 217.93 1,598.01

$0.00 $1,743.44 $0.00 $0.00

An asterisk (*) indicates a difference from a previous estimate either in the date or the amount. If you want a further explanation, please call

our toll-free number.

Last year, we anticipated that payments from your account would be made during this period equaling 0.00. Under

Federal law, your lowest monthly balance should not have exceeded 0.00 or 1/6 of the anticipated payment from the

account, unless your mortgage contract or State law specifies a lower amount. Your mortgage contract and State law are

silent on this issue.

are made the month the analysis is processed).

(The amount of surplus only exists if the loan is current, the analysis gives a projected overage as if all past due payments

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SN Servicing Corporation Final

For Inquiries: (800) 603-0836

Main Office- NMLS ID #5985, Branch Office- NMLS ID #9785

Analysis Date: August 06, 2020

RITA D CHRISTIAN Loan:

Annual Escrow Account Disclosure Statement

Projections for Coming Year

This is an estimate of activity in your escrow account during the coming year based on payments anticipated to be made to and

from your account.

Date Anticipated Payments

To Escrow From Escrow Description

Escrow Balance

Anticipated Required

Starting Balance 1,598.01 918.42

Oct 2020 183.68 1,781.69 1,102.10

Nov 2020 183.68 1,965.37 1,285.78

Dec 2020 183.68 658.59 County Tax 1,490.46 810.87

Jan 2021 183.68 1,674.14 994.55

Feb 2021 183.68 1,857.82 1,178.23

Mar 2021 183.68 887.00 Homeowners Policy 1,154.50 474.91

Apr 2021 183.68 1,338.18 658.59

May 2021 183.68 1,521.86 842.27

Jun 2021 183.68 658.59 County Tax 1,046.95 367.36

Jul 2021 183.68 1,230.63 551.04

Aug 2021 183.68 1,414.31 734.72

Sep 2021 183.68 1,597.99 918.40

$2,204.16 $2,204.18

(Please keep this statement for comparison with the actual activity in your account at the end of the escrow accounting computation year.)

Your escrow balance contains a cushion of 367.36. A cushion is an additional amount of funds held in your escrow

Federal law, your lowest monthly balance should not exceed 367.36 or 1/6 of the anticipated payment from the account,

unless your mortgage contract or State law specifies a lower amount. Your mortgage contract and State law are silent on

this issue.

balance to prevent the balance from becoming overdrawn when an increase in the disbursement amount occurs. Under

Your ending balance from the last month of the account history (escrow balance anticipated) is 1,598.01. Your starting

balance (escrow balance required) according to this analysis should be $918.42. This means you have a surplus of 679.59.

are made the month the analysis is processed).

(The amount of surplus only exists if the loan is current, the analysis gives a projected overage as if all past due payments

This surplus must be returned to you unless it is less than $50.00, in which case we have the additional option of keeping

it and lowering your monthly payments accordingly. As the loan is delinquent, we will not be sending a check for the surplus.

We anticipate the total of your coming year bills to be 2,204.18. We divide that amount by the number of payments expected during

the coming year to obtain your escrow payment.

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New Escrow Payment Calculation

Unadjusted Escrow Payment 183.68

Surplus Amount:

Shortage Amount:

0.00

0.00

Rounding Adjustment Amount: 0.00

Escrow Payment: $183.68

NOTICE OF RIGHT TO CANCEL PRIVATE MORTGAGE INSURANCE: If you currently pay private mortgage insurance

premiums, you may have the right to cancel the insurance. In most cases, you have the right to cancel private mortgage insurance if

the principal balance of your loan is 80 percent or less of the current fair market appraised value of your home, and you have a good

payment history on your loan. If you want to learn whether you are eligible to cancel this insurance, please contact us at 323 Fifth

Street, Eureka, Ca 95501 or 800-603-0836.

* Please note if you have autopay/EFT set up on your loan, it is your responsibility to make sure your payment amount is

updated. Enclosed is the EFT form that needs to be completed. Once completed, please fax to the number listed on the EFT form

or return in the self-addressed envelope.

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CERTIFICATE OF SERVICE

On September 10, 2020 I served the foregoing documents described as NOTICE OF 

MORTGAGE PAYMENT CHANGE the following individuals by electronic means through the Court’s 

ECF program:

DEBTOR’S COUNSEL 

Brett Alexander Zwerdling

iezell@zandolaw.com

TRUSTEE

Carl M. Bates

station01@richchap13.com

I declare under penalty of perjury under the laws of the United States of America that the 

foregoing is true and correct.

/s/ Marlen Gomez

Marlen Gomez

On September 10, 2020, I served the foregoing documents described as NOTICE OF 

MORTGAGE PAYMENT CHANGE on the following individuals by depositing true copies thereof in 

the United States mail at Santa Ana, California enclosed in a sealed envelope, with postage paid, 

addressed as follows: 

DEBTOR

Rita Dawn Christian-Coles

4912 Glenspring Road

Richmond, VA 23223-5710

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true 

and correct.

/s/Marlen Gomez

Marlen Gomez

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