U.S.

Bank Home Mortgage

P.O. Box 21948 Mortgage Statement
Eagan, MN 55121 Statement Date 10/07/2020

Account Number 9902730347

Scheduled Due Date 12/01/2020
We may contact you if payment is not received by the scheduled due date.
6-726-15666-0001083-001-000-010-000-000
Loan Due Date 12/01/2020

Total Amount Due $717.47

If received after 12/16/2020, $28.70 late fee may be charged, pay $746.17.
ROSARIO MORENO DENA-RUBIO
1207 DEBRA ST
SAN ANTONIO TX 78224-2311
Explanation of Total Amount Due
PAYMENT FACTORS
Principal $170.58
Interest $170.85
Tax - County $235.00
Insurance $74.08
Mortgage Insurance $66.96
PAYMENT AMOUNT DUE $717.47
TOTAL AMOUNT DUE $717.47
If received after 12/16/2020, $28.70 late fee may be charged, pay $746.17.

Contact Information 800-365-7772

Live Customer Support: Mon-Fri 7 a.m. - 8 p.m. CT and Sat 8 a.m. - 2 p.m. CT
Automated Services also available at this number 24 hours
Live Hearing Impaired Customer Support: Monday-Friday, 8 a.m. - 5 p.m. CT. 800-874-5563
A TDD/TTY machine is required when calling this number
Correspondence Address Notice of Error and Request for Information
U.S. Bank Home Mortgage U.S. Bank Home Mortgage
P.O. Box 21948 P.O. Box 21977
Eagan, MN 55121 Eagan, MN 55121
Website www.usbankhomemortgage.com
Total Amount Due is not a Payoff or Reinstatement amount.

Account Information
Property Address 1207 DEBRA ST Past Payment Breakdown
SAN ANTONIO TX 78224
PAID SINCE PAID YEAR
Outstanding Principal Balance (Not a Payoff Amount) $63,082.22
LAST STATEMENT TO DATE
Interest Rate 3.25000%
Maturity Date 01/2043 Principal $170.12 $3,374.66
Other Balances Interest $171.31 $1,931.07
Escrow $4,585.01 Escrow $376.04 $4,571.88
Recoverable Corporate Advance/RCA $3,922.60

If You Are Experiencing Financial Difficulty: To find a HUD-certified counseling Payment breakdown represents current year payment transaction activity applied to the account, which
organization in your area, contact HUD at 800-569-4287 or visit the website at may include adjustments to prior year transactions.
www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.

Transaction Activity Fees/ Subsidy/

Description Due Date Date Total Principal Interest Escrow RCA Other Repl Reserve Suspense
Dept of HUD RBP Disb 01/2021 10/02/2020 66.96-
Payment 11/2020 10/07/2020 717.47 170.12 171.31 376.04

___________________________________ IMPORTANT MESSAGES ___________________________________

If you are facing challenges making your mortgage payment, we are here to help. Please visit www.usbank.com/mortgagepaymenthelp
for assistance options. If you have already requested assistance, please call 800.365.7772 for the latest status of your account. To find a
HUD-certified counseling organization in your area who can provide assistance, as well as possible translation or other language services,
contact HUD at 800.569.4287 or visit their website at www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm.
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726-x30878-0420F

Our Complaint Process: Please submit any mortgage loan foreclosure or foreclosure alternative process related complaint to: U.S. Bank, Attention: Consumer Advocacy, P.O. Box
211259 Eagan, MN 55121. Your submission should include the name of each borrower and the loan number.
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Notices of Error and Requests for Information
Borrowers have certain rights under Federal law related to resolving errors and requesting information about their mortgage account.
Notices of Error and Requests For Information must be directed to U.S. Bank,Attention: Consumer Advocacy, P.O. Box 21977, Eagan, MN
55121. Your submission must be in writing and include the name of each borrower, the loan number and a description of the error you
believe has occurred OR a request for specific information regarding your mortgage loan.
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DETACH AND RETURN BOTTOM PORTION WITH YOUR PAYMENT

Account Scheduled Payment Optional Insurance/ Past Due Past Due Optional Insurance/ Total
Number Due Date Amount Optional Products Amount Optional Products Amount Due
9902730347 12/01/2020 $717.47 $0.00 $0.00 $0.00 $717.47
**Payment Processing cutoff time, for payments made by mail, is 5:00 p.m. Central Time, Monday – Friday.**
Payments received after cutoff time will be applied to your account the next business day. Late charges may
**IF RECEIVED TOTAL AMOUNT
ROSARIO MORENO be assessed if payments are not received on time as specified in the terms of your mortgage agreement. AFTER CUTOFF DUE AFTER CUTOFF
Payments due on a weekend or legal holiday will not be assessed a late charge if received by cutoff time the
DENA-RUBIO following business day. Payment processing cutoff times may vary if choosing alternative payment options from 12/16/2020 $746.17
those listed above.
Check here if name, address and/or phone number
changes have been indicated on reverse side.

Additional Principal $
U.S. Bank Home Mortgage
P.O. Box 790415 Additional Escrow
St. Louis, MO 63179-0415 $
Other (Please specify)
$
Total Amount Enclosed $

Internet Reprint
 Perf Page
Receive your statement electronically by signing up for e-statements. Visit usbank.com to create an account and set your paperless preferences.
Voluntary Payment Options – Some of the information below may not apply due to the status of the loan. Please contact us for more information.

Pay by Mail Overnight Delivery U.S. Bank Mortgage #790415

SL-MO-C1LB
• To ensure fast and accurate processing of your mortgage payment through our automated
1005 Convention Plaza
processing center, simply write your U.S. Bank mortgage account number on your check
St. Louis, MO 63101
or money order and include the completed coupon and return in the envelope provided.
• Checks must be drawn on a United States bank account.
• Please do not send cash or post dated checks.
• If you are sending additional funds, please note on your payment coupon how you want
those funds applied. Your account must be current to apply additional funds to principal only. Pay OnLine

• Do not send payments by overnight delivery to P.O. Box Address, as this will delay processing. • Avoid mail delays by making your mortgage payment using our convenient E-Bill on-line
payment option. Simply visit www.usbankhomemortgage.com and follow the directions
• See front for correspondence or overnight delivery address. Do not send cash or
provided. The Pay Online option is generally available for current monthly billing
correspondence with your payment, as this could delay the processing.
statement customers and may not be available for customers whose account may be
• Payments are not credited based on postmark date. Please allow adequate time for mail past due. Certain restrictions and limitations may apply.
services and delays.
• Payments made online - No Fee
• Payment Processing cutoff time, for payments made by mail, is 5:00 p.m. Central Time,
• Payments received after 6:30 p.m. CT will be credited same-day, but will be processed
Monday – Friday. Payments received after cutoff time will be applied to your account the
on the next business day.
next business day. Late charges may be assessed if payments are not received on time as
specified in the terms of your mortgage agreement. Payments due on a weekend or legal • Payoff funds cannot be remitted through the Pay Online option.
holiday will not be assessed a late charge if received by cutoff time the following business
day. Payment processing cutoff times may vary if choosing alternative payment options Pay by Phone
from those listed above.
• Payments can be made by telephone using our automated system or by selecting to
speak with a Customer Service Representative. Please have your routing number and
account number available, and we'll debit your mortgage payment from the account of
Automatic Payment Program your choice. (Checking/Savings).
• Enjoy the convenience and peace of mind that automatic mortgage payments offer at • Payments received after 6:30 p.m. CT will be credited same-day, but will be processed
no cost to you. Set up your monthly payments as an automatic debit from your on the next business day.
checking or savings account today. • Payments made by phone may incur the following fees:
• Draft Dates available up to 9 days after the scheduled due date. However, draft delay • Pay with a U.S. Bank checking or savings account – No Fee
days may not exceed grace days. Please refer to the terms of your mortgage agreement.
• Pay using the automated system - Up to $5.00
• Contact our Customer Service Center or visit our website to enroll in the Automatic • Pay using a Customer Service Representative - Up to $11.00 - in accordance
Payment Program. with state law requirements

24-Hour Automated Fee Schedule Website Information

Account Information Return Items – Tax Services – Escrow Waivers Visit our secure website at your convenience and
For fast, convenient service, U.S. Bank Mortgage utilize the many services offered:
Stop Payment Requests – Subordinations
Servicing is pleased to offer 24-Hour Automated Account • View current account information
Information. Phone Payments – Special Deliveries – Releases • View your billing statement and make a
Payoff Reversals – Assumptions – Land Trust payment online
Please have your property address, social security
number and your mortgage account number available. Flood Certificates – Inspections – Modifications • View your 1098 Mortgage Interest Statement
• Update personal contact or hazard insurance
Refer to the contact information on the front of your Broken Packages – Special Loan Services information
billing statement for the toll free number to access the
24-Hour Automated Service.
Conversions – Late Charges • Enroll in our Automatic Payment Program
• Order mortgage documents or an
Amortization Schedule
Please note that our fee information is subject to change. Actual
• Order a Payoff Statement
fees may vary based on the location of your property, applicable • Receive answers to Frequently Asked
law and your loan documents. You may contact us with any Questions
questions regarding fees at 1-800-365-7772. • Send us an Email with your mortgage questions

Insurance Information Real Estate Tax Information

• LOSS PAYABLE CLAUSE: Your hazard/homeowner’s policy(s) must reflect our name • PROPERTY TAX BILLS: If your property taxes are currently paid from your escrow
as Loss Payee. Please provide your account number to your agent for timely payment account and your property is located in a tax district (homeowner area) that will only
for future billings. release the tax bill to the homeowner, it is your responsibility to forward the tax bill to us
• COVERAGE: Homeowners coverage should be equal to 100% replacement cost or for payment. This also applies to corrected, added, interim, supplemental or reassessed
guaranteed replacement cost. tax bills as these are only sent to the homeowner. Without the collection of a monthly
deposit for these bills, a deficit will occur resulting in an escrow shortage and subsequent
• RENEWALS: Send all policies at least 30 Days prior to the expiration date. Failure to increase in your escrow deposit. Failure to send tax bills to U.S. Bank Mortgage
provide proof of continuous coverage will result in us obtaining insurance coverage on Servicing timely may result in delinquent taxes and penalties. Any penalties associated
your home and charging you the premium. This coverage may be different and more with the failure to provide the tax bills will be your responsibility. Send immediately to:
expensive than available through the standard insurance market.
U.S. Bank Home Mortgage
• FLOOD INSURANCE: Coverage is required on properties located in a Special Flood PO Box 21948
Hazard Area. The minimum coverage required is the lesser of the unpaid principal
726-x29850-0420B

Eagan, MN 55121
balance of all active loans secured by the insurable structure or the replacement cost of
the insurable structure not to exceed the maximum coverage available from NFIP • EXEMPTIONS: Remember to apply for any TAX EXEMPTIONS within your tax district.
(National Flood Insurance Program). Investor requirements may vary. ONLY THE HOMEOWNER MAY FILE FOR EXEMPTIONS. Please send a copy of
any property tax status change immediately.
• DAMAGED PROPERTY: In the event of damage to your home, notify your insurance
agent. After you file a claim, contact us at 855-205-6693 Monday through Friday, • TAX SALE NOTICES: Advise us immediately of any notice of Tax/Lien Sale.
7:00 a.m. – 8:00 p.m. Central Time. FAILURE TO DO SO MAY RESULT IN LOSS OF YOUR PROPERTY. YOU WILL
REMAIN RESPONSIBLE FOR REPAYMENT OF YOUR MORTGAGE ACCOUNT.
• REFUND CHECKS: If you have an insurance refund check to be endorsed, please
mail it to the Correspondence Address (shown on the front of this statement), • HOMEOWNER/CONDO ASSOCIATION DUES: Payment of these fees are your
Attn: Insurance Department. DO NOT SEND WITH PAYMENT. responsibility. However, if you receive a notice of sale or eviction, please contact our
Customer Service Center at 1-800-365-7772 to discuss options.

Consumer Reporting Agency Disputes

We may report information about your account to credit bureaus (Consumer Reporting Agencies, CRA). Late payments, missed payments, or other defaults
on your account may be reflected in your credit report. If you believe we have inaccurately reported information to a CRA, you may submit a dispute by writing
to: U.S. Bank Attn: Credit Bureau Disputes, 4801 Frederica St, Owensboro, KY 42301. In order to assist you with your dispute, you must provide: your name,
address and phone number; the account number; the specific information you are disputing; an explanation of why it is incorrect ; and any supporting Member FDIC
documentation (e.g., affidavit of identity theft), if applicable.

The Fair and Accurate Credit Transaction Act of 2003 requires us to notify you that we may report information about your account to credit bureaus.
Late payments, missed payments or other defaults on your account may be reflected in your credit report.
Please provide your personal contact information below. For your convenience you
Personal Contact Information may update this information on our website at www.usbankhomemortgage.com.

Borrower Name: Co-Borrower Name:

New Address: Email Address:

Home Phone: Work Phone: Mobile Phone:

By providing us with a telephone number for a cellular phone or other wireless device, including a number that you later convert to a cellular number, you are
expressly consenting to receiving communications at that number (including but not limited to prerecorded or artificial voice message calls, text messages, and calls
made by an automatic telephone dialing system) from us and our affiliates and agents. This express consent applies to each telephone number that you provide to
us now or in the future and permits such calls for non-marketing purposes. Calls and messages may incur access fees from your cellular provider.

Please be sure to check the box on the reverse side when completing this form.