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Part 2: Mortgage Payment Adjustment

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EUGENIO REYES

MAIDEILY SARAIBA

Southern District of Florida

20-13223

20

7 7 7 1 05 01 21

2,715.48

✔

1,472.35

✔

1,029.29

✔

Case 20-13223-AJC Doc 62 Filed 04/02/21 Page 1 of 9
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EUGENIO REYES 20-13223

✔

04/02/2021

Andrew Farrell

Bankruptcy Department, VA-RVW-3034, P.O. Box 27767

Richmond VA 23261

855 223 4641 MortgageBankruptcy@SunTrust.com

Case 20-13223-AJC Doc 62 Filed 04/02/21 Page 2 of 9
CERTIFICATE OF SERVICE

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Andrew Farrell

Notice of Mortgage Payment Change

04/02/2021

EUGENIO REYES

365 LINWOOD DR

MIAMI SPRINGS, FL 33166-4936

MAIDEILY SARAIBA

365 LINWOOD DR

MIAMI SPRINGS, FL 33166-4936

ROBERT SANCHEZ

ROBERT SANCHEZ ESQ ATT AT LAW

355 W 49TH ST

HIALEAH, FL 33012-3715

NANCY K NEIDICH

PO BOX 279806

MIRAMAR, FL 33027-9806

Case 20-13223-AJC Doc 62 Filed 04/02/21 Page 3 of 9
CONTACT US

Visit us online at suntrust.com/mortgage

ANNUAL ESCROW ACCOUNT

DISCLOSURE STATEMENT

Client Services: 800.634.7928

Monday - Friday: 8 a.m. to 8 p.m. ET

Saturday: 9 a.m. to 3 p.m. ET

Your New Escrow Amount

Escrow Lowest Balance

EUGENIO REYES MASTRAPA

MAIDEILY SARAIBA

365 LINWOOD DR

MIAMI SPRINGS FL 33166

Statement Prepared: 03/09/2021

Loan Number:

Property Address: 365 LINWOOD DRIVE

MIAMI SPRINGS FL 33166

Each year SunTrust Bank reviews your escrow account to determine your new monthly escrow payment which

is included in your total monthly mortgage payment. Money is collected and held in your escrow account to pay

taxes and insurance on your behalf.

Effective 05/01/2021, your new monthly mortgage payment will be: $2,715.48

Projected Annual Payment New Monthly Escrow Amount

Taxes $6,390.54 $532.54

Insurance $5,075.00 $422.92

Mortgage Insurance $2,770.20 $230.85

Total $14,235.74

To project your annual escrow payments for the coming year, we use the last tax and insurance bills received,

or information provided by your settlement agent or local tax authority. This annual projection when divided by

12 months equals your New Monthly Escrow Amount.

$1,186.32

SunTrust - Escrow Shortages

P.O. Box 79684

Baltimore, MD 21279-0684

Client Name: EUGENIO REYES MASTRAPA

Loan Number:

Property Address: 365 LINWOOD DRIVE

MIAMI SPRINGS FL 33166

Lowest Balance Amount

Projected Escrow Lowest Balance for the coming year $4,953.80-

* The required escrow lowest balance (cushion) is explained on page 2.

Required Escrow Lowest Balance* $1,910.94

This difference created a shortage in your escrow account $6,864.74-

The difference shown above divided by 24 months is $286.03.

Shortage Amount $6,864.74

Current Monthly Payment New Monthly Payment

Principal & Interest $1,243.13 $1,243.13

Escrow $1,029.29 $1,186.32

Escrow Shortage $286.03

Note - If you choose to pay your escrow shortage in full using the coupon below, your new monthly

mortgage payment will be $2,429.45. If your payment is issued through our SurePay ACH service then the

amount of your draft will automatically be updated. If your payment is issued by a third party or if you make

your payment through a bill pay service please be sure that your new monthly mortgage payment amount is

updated with the service provider.

Total Payment $2,272.42 $2,715.48

You have the following options to repay your Escrow Shortage:

A. Do Nothing: The shortage for the next 24 months is $286.03 which will 

automatically be added to your monthly payment beginning May 01, 2021.

B. Repay the Escrow Shortage in Full: Please send a check in the amount of 

$6,864.74 made payable to SunTrust Bank, along with this coupon, in the 

envelope provided. Your new monthly mortgage payment will be $2,429.45 

once the full escrow shortage is paid in full.

Case 20-13223-AJC Doc 62 Filed 04/02/21 Page 4 of 9
Projections for the Coming Year

Page 2

This is a projection of activity in your escrow account for the coming year. Projected payments from escrow for the coming year are

based on the last tax and insurance bills we received, or information provided to us by your settlement agent or local tax authority. The

starting balance in your escrow account as of 04/30/2021 is $611.55-. Your required starting balance according to this analysis, should

be $6,253.19. This means you have a shortage of $6,864.74.

Month/Year Projected Payments Projected Payments Description Escrow Balance

To Escrow (+) From Escrow (-) Projected Required

Starting Balance 611.55- 6,253.19

May 2021 1,186.32 230.85 Mortgage Ins 343.92 7,208.66

Jun 2021 1,186.32 230.85 Mortgage Ins 1,299.39 8,164.13

Jul 2021 1,186.32 230.85 Mortgage Ins 2,254.86 9,119.60

Aug 2021 1,186.32 230.85 Mortgage Ins 3,210.33 10,075.07

Sep 2021 1,186.32 230.85 Mortgage Ins 4,165.80 11,030.54

Oct 2021 1,186.32 230.85 Mortgage Ins 5,121.27 11,986.01

Nov 2021 1,186.32 230.85 Mortgage Ins 6,076.74 12,941.48

Nov 2021 0.00 6,390.54 County Tax 313.80- 6,550.94

Nov 2021 0.00 4,640.00 Hazard Insurance 4,953.80- P 1,910.94 R

Dec 2021 1,186.32 230.85 Mortgage Ins 3,998.33- 2,866.41

Jan 2022 1,186.32 230.85 Mortgage Ins 3,042.86- 3,821.88

Feb 2022 1,186.32 230.85 Mortgage Ins 2,087.39- 4,777.35

Mar 2022 1,186.32 230.85 Mortgage Ins 1,131.92- 5,732.82

Apr 2022 1,186.32 230.85 Mortgage Ins 176.45- 6,688.29

Apr 2022 0.00 435.00 Flood Insurance 611.45- 6,253.29

P - Indicates your projected escrow lowest balance

R - Indicates your required escrow lowest balance

Total $14,235.84 $14,235.74

*Escrow lowest balance (cushion): Under Federal Law your escrow lowest balance should not exceed 1/6 (equals no more than 2

months) of the total projected escrow payments, unless your mortgage contract or state law specifies a lower amount.

We project the lowest balance in your escrow account as of November 2021 will be $4,953.80-. The allowable lowest balance in your

escrow account should be $1,910.94, which is equal to no more than 2 months of projected payments for real estate taxes and hazard

insurance. This means you have a shortage of $6,864.74.

Case 20-13223-AJC Doc 62 Filed 04/02/21 Page 5 of 9
Escrow Account History for the Prior Period

This is a statement of actual activity in your escrow account shown in comparison to the projections we used in the prior period. Actual

activity appears in shaded columns.

Page 3

Statement Date: 03/09/2021

Loan Number:

Property Address: 365 LINWOOD DRIVE

MIAMI SPRINGS FL 33166

Payments to Escrow (+) Payments from Escrow (-) Escrow Balance

Month/Year Projected Actual Projected Actual Description Projected Actual

Starting Balance 4,344.61 3,382.86

May 2020 979.60 1,029.29 * 0.00 230.85 * Mortgage Ins 5,324.21 4,181.30

Jun 2020 979.60 1,029.29 * 0.00 230.85 * Mortgage Ins 6,303.81 4,979.74

Jul 2020 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 7,052.56 5,778.18

Aug 2020 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 7,801.31 6,576.62

Aug 2020 0.00 0.00 0.00 4,496.00 * Hazard Insurance 7,801.31 2,080.62

Sep 2020 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 8,550.06 2,879.06

Sep 2020 0.00 0.00 2,194.00 0.00 * Hazard Insurance 6,356.06 2,879.06

Oct 2020 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 7,104.81 3,677.50

Oct 2020 0.00 0.00 0.00 3,651.00 * Hazard Insurance 7,104.81 26.50

Nov 2020 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 7,853.56 824.94

Nov 2020 0.00 0.00 6,356.06 6,390.54 * County Tax 1,497.50 5,565.60-

Dec 2020 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 2,246.25 4,767.16-

Jan 2021 979.60 2,058.58 * 230.85 230.85 Mortgage Ins 2,995.00 2,939.43-

Feb 2021 979.60 3,771.00 * 230.85 230.85 Mortgage Ins 3,743.75 600.72

Feb 2021 0.00 0.00 0.00 2,605.00 * Hazard Insurance 3,743.75 2,004.28-

Mar 2021 979.60 1,029.29 * 230.85 230.85 Mortgage Ins 4,492.50 1,205.84-

Apr 2021 979.60 1,029.29 E 230.85 0.00 E Mortgage Ins 5,241.25 176.55-

Apr 2021 0.00 0.00 E 435.00 435.00 E Flood Insurance 4,806.25 611.55-

E - Indicates the activity has not yet occurred but is estimated to occur as shown

* - Indicates a difference between actual activity and projected activity either in the amount or the date

Your monthly mortgage payment for the prior period was $2,272.42, of which $1,029.29 was applied to escrow. Last year, we

anticipated making payments from your account equaling $11,293.56.

Under Federal law your minimum monthly balance should not have exceeded 1/6 (also equal to no more than 2 months) of the total

projected payments for real estate taxes and hazard insurance from the account, unless your mortgage contract or state law specifies a

lower amount. Your required minimum monthly balance for the prior period was $1,959.20.

Projected & Actual Payment Differences

Differences between projected and actual payments to and from your escrow account may create a shortage or surplus in your account.

The most common reasons for a difference between your projected escrow lowest balance and your required escrow lowest balance are

tax rate and/or assessed value changes, hazard insurance premium or coverage changes. Additional factors are listed below:

Total

PAYMENTS REAL ESTATE TAXES HAZARD INSURANCE

• Monthly payment(s) received were less

than or greater than expected

• Previous overage was returned to escrow

• Previous shortage not paid entirely

• Exemption status lost or changed

• Supplemental/Delinquent tax paid

• Tax installment not paid

• Tax refund received

• New tax escrow requirement paid

• Premium paid or not paid

• Premium refund received or not received

• Additional premium paid

• New insurance escrow requirement paid

• Lender placed insurance premium paid

$11,755.20 $16,122.48 $11,293.56 $20,116.89

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