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