Adolfo Reyna
1.8 KiB
1.8 KiB
Date, Author, Tags
| Date | Author | Tags | ||||
|---|---|---|---|---|---|---|
| 2026-05-20 | Pi Agent |
|
220 Emerald Mortgage Snapshot
Source
- Provided by Adolfo from lender portal on 2026-05-20.
Current Loan Details
- Next Payment Amount:
$5,358.53 - Next Payment Due Date:
06/01/2026 - Original Principal Balance:
$646,000.00 - Current Principal Balance:
$641,123.46 - Origination Date:
08/06/2025 - Loan Maturity Date:
09/01/2055 - Original Term:
360 months - Remaining Term:
352 months - Prepayment Penalty:
No - Interest Only:
No
Notes
- Corrected by Adolfo on 2026-05-20 (supersedes earlier typo values).
- Keep this note as the source of truth for current mortgage numbers unless a newer lender statement is provided.
Escrow Analysis — Effective 2026-10-01
- Source: Pennymac escrow-analysis email provided by Adolfo; analysis completed 2026-08-12. Original email/document path not supplied.
- New monthly payment:
$5,373.43, beginning with the payment due 2026-10-01. - Current monthly payment:
$5,358.53(consistent with the prior lender snapshot). - Change:
+$14.90/month. - Principal & interest:
$4,030.20(unchanged in the notice). - Current escrow payment:
$1,328.33. - New escrow payment:
$1,343.23(+$14.90/month). - Escrow drivers: Property taxes unchanged at
$639.25/month; mortgage insurance unchanged at$145.35/month; hazard insurance increased from$543.73to$558.63/month(+$14.90/month). Reserve requirement and shortage amount remain$0.00. - Projected escrow surplus/refund:
$536.36, to be refunded by Pennymac to the bank account configured for eDisbursement. - Action/date: Payments due before 2026-10-01 should use the current amount; use
$5,373.43starting 2026-10-01. Monitor for the$536.36refund.