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Contact Us:
Web: www.PennyMac.com
General Insurance: (866) 318-0208
Settlement Claim Checks: (866) 314-0498
P.O. BOX 514387 Customer Service: (800) 777-4001
LOS ANGELES, CA 90051-4387
Mortgage Activity Statement
a Statement Date: February 16, 2022
a
a Loan Number: 8005634613
006602

a Payment Due Date: March 1, 2022

a
SIBA MOHAMMED a Amount Due: $1,298.33
816 DONINGTON CIR a If payment is received after 3/16/2022, $35.00 late fee will be
a
charged. If the Amount Due changes based on the terms of your
LAWRENCEVILLE, GA 30045-3578 a
mortgage, the late fee amount may also change.
a

Explanation of Amount Due

Contractual Amount Due
Principal: $347.14
Interest: $527.82
Escrow (Taxes and Insurance): $423.37
Regular Monthly Payment: $1,298.33
Fees & Charges (total outstanding) $0.00
Charges since last statement: $0.00____________
Account Information
Property Address: 816 DONINGTON CIR Credits since last statement: $0.00____________
LAWRENCEVILLE, GA 30045 Overdue Payment: $0.00
Unpaid Principal Balance: $163,454.09 Total Amount Due: $1,298.33
Escrow Balance: $1,347.35 Important Messages
Suspense Balance: $0.00 *Suspense: Any amount received less than a full
Interest Rate: 3.875% payment will be applied to a suspense account for your
Payment Change Date (Escrow Analysis): 04/01/2022 mortgage. When enough is received to equal a full
Prepayment Penalty: No payment, a full payment will be applied to your
Past Payments Breakdown As of Last Stmt Paid Year to Date mortgage.
Principal: $380.44 $756.81
Interest: $529.05 $1,059.31
Escrow (Taxes & Insurance): $423.37 $846.74
Fees: $0.00 $0.00
Suspense*: $0.00 $0.00
Total: $1,332.86 $2,662.86

1000 - Billing Statement

----"------------------------------------------------------------------------------------------------------------------------------------------------
PAYMENT COUPON - Detach and Return With Your Payment Made Payable to: PENNYMAC LOAN SERVICES, LLC

Payment Date: 3/1/2022 Payment Amount $ 0 .0 0

Additional Principal $ .
Loan Number: 8005634613 Additional Escrow $ .
Other $ .
Total Amount Enclosed $ .
PENNYMAC LOAN SERVICES, LLC Please wr ite the loa n number on the front of your check

PO BOX 660929
SIBA MOHAMMED
DALLAS, TX 75266-0929
816 DONINGTON CIR
LAWRENCEVILLE, GA 30045-3578

01 008 005 6 3 4 6 1 3 6 001 2 9 8 3 3 2 0001 2 9 8 3 3 2

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Important Information About Your Loan

Need a Purchase Loan? Find out how to shop for a new home with a competitive edge by calling (888) 978-4125 for a no-obligation loan
consultation today!
Want to reduce your risk of identity theft from stolen mail? PennyPaperless is convenient and secure. Just log in on www.PennyMac.com
and click on Account Settings. Then go to Paperless Preferences and select Online Only for your monthly statement. You can also make a
payment, view your loan activity and access loan information 24/7. What are you waiting for?
To find free or low cost HUD-certified housing counseling agencies in your area, please call 1.800.569.4287 or visit the HUD
website at www.hud.gov.

Transaction Activity January 19, 2022 - February 16, 2022

Date Description Transaction Principal Interest Escrow Fees Suspense
Amount__
01/27/2022 Mortgage Insurance Disbursement ($115.63) $0.00 $0.00 $0.00 $0.00 $0.00
02/15/2022 Principal Reduction $34.53 $34.53 $0.00 $0.00 $0.00 $0.00
02/15/2022 Payment $1,298.33 $345.91 $529.05 $423.37 $0.00 $0.00

Important Information About Mailed Payments

• Payments with a coupon are processed the same day as receipt when received prior to 8:00 AM PT. Overnight payments with a coupon are
processed the same day as receipt when received prior to 10:30 AM PT. Payments not processed the same day are effective dated to the date of
receipt.
• Please make checks payable to PennyMac Loan Services, LLC. Postdated checks are processed the same date as receipt.
• Please do not send cash. Payment instructions are limited to the information provided by PennyMac on the payment coupon only.
• Please sign and write your account number on your check or money order.

Periodic & Partial Payment Policy

If you send us your payment with additional funds and don't specify how you want that money applied, we will first post payment(s) to bring your loan
current. Any remaining money will then be applied based on a payment hierarchy towards outstanding escrow shortages and fees before any funds are
posted as a principal reduction. Funds may be applied based on the perceived customer intent. For example, if the received amount is equal to the periodic
payment due plus an exact match to outstanding late charges due on the loan, PennyMac may apply the excess funds to late charge due amounts rather
than applying excess funds to an escrow shortage. If the money you sent wasn't enough for a payment, it will be applied to your loan as unapplied funds.
We may accept a payment that is less than your periodic payment by an amount up to $10.00. We will use a corporate advance, which will be billed to your
account, to make the full periodic payment. Depending on the requirements of your loan documents, owner/insurer/guarantor of your loan or applicable
law, and depending on the status of your account, partial payments that are outside the tolerances described above may be promptly returned to you,
applied to your account, or held in a non-interest bearing account until additional funds sufficient to equal a periodic payment are received.
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Other Important Information

www.PennyMac.com PennyMac Customer Service: PennyMac Loan Services, LLC
Available 24/7 on all your devices: (800) 777-4001 Attn: Correspondence Unit
How to PC, Tablet, and Mobile. M - F: 5:00 AM - 6:00 PM PT PO Box 950002
Contact Us El sitio web está disponible en Español. Sat: 7:00 AM - 11:00 AM PT Fort Worth, TX 76155-9802
Go Paperless today! Fax: (866) 577-7205 Notices of error or information requests
General Insurance: (866) 318-0208 must be mailed to this address.
Auto-Pay *: Enroll in Auto-Pay, on our Western Union: Check ** : Mail to PennyMac:
website, to set up recurring payments from Code City: PennyMac Standard Address:
the bank account of your choice. Pay To: PennyMac Loan Services P.O. Box 660929
How to Make a Pay Online or Pay-by-Phone: Code State: CA Dallas, TX 75266-0929
Make a one-time payment using your ID Number: Enter Loan Number Overnight Address:
Payment
checking or savings account, or debit card Attn: Lockbox Operations
at: www.PennyMac.com 20500 Belshaw Ave.
phone: (800) 777-4001 Carson, CA 90746
(Fees may apply for services)
Property Tax Bills: General Insurance Questions: (866) 318-0208
If you are escrowed for taxes and you receive a tax bill, you do Insurance Information: Anytime there is a change to your
not need to take any action. (Please note: Supplemental/ insurance policy please provide your insurance carrier the
Tax and Additional tax bills are the responsibility of the homeowner; below:
Mortgagee Clause:
Insurance PennyMac will pay them from the escrow account upon
PennyMac Loan Services, LLC
Information request.)
Its Successors and/or Assigns
Claim Settlement Checks: Call (866) 314-0498, when you P.O. Box 6618
receive an estimate of damages and/or a settlement check, to Springfield, OH 45501-6618
receive information for negotiation of the check.

Credit
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your
Reporting
account may be reflected in your credit report.
Information

Important This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. However, if
Consumer your account is subject to pending bankruptcy proceedings or if you have received a discharge in bankruptcy, this statement is for
Information informational purposes only and is not an attempt to collect a debt against you personally.
Requests for prior payment adjustments: To request funds for a prior payment be applied differently, you must notify PennyMac within 90 days of the
original transaction. After 90 days, we will only change the application of funds if the transaction was applied contrary to your documented instructions.
Review the Periodic & Partial Payment Policy for more information.
* If you are enrolled in a PennyMac Auto-Pay program, and received a payment change notification, the new payment amount will be drafted on your scheduled
draft date. (The principal curtailment amount will not change.) If you pay via online bill payment, please update the payment amount with your financial institution
to ensure timely processing of your payment.
** When you pay with a check, you authorize PennyMac either to use information from your check to make a one-time electronic fund transfer (EFT) from your
account, or to process the payment as a check transaction. When we use information from your check to make an EFT, funds may be withdrawn from your account on
the same day PennyMac receives your payment. Please note that your financial institution will not send back your check. If funds are returned unpaid, a return service
charge may be assessed to your loan whether processing your payment as a check or an EFT, as allowed by applicable law.
In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq., debt collectors are prohibited from engaging in abusive,
deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane
language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.

Equal Housing Opportunity © 2008-2022 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361,
818-224-7442. NMLS ID # 35953 (www.nmlsconsumeraccess.org). Trade/service marks are the property of PennyMac Loan Services, LLC
and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and
Innovation under the California Residential Mortgage Lending Act. Colorado: Colorado office: 700 17th St, Suite 200, Denver, CO 80202, (833)
216-6680. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only
be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Rhode Island Lender License #
20092600LL. For more information, please visit www.PennyMac.com/state-licenses. Loans not available in New York. Some products may not be
available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services,
LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions
apply. All rights reserved. (01-2022)
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P.O. BOX 514387 Notice Date: February 16, 2022

LOS ANGELES, CA 90051-4387
Loan Number: 8005634613
FHA Number: 105-9271958
Property Address:
006602

816 DONINGTON CIR

SIBA MOHAMMED LAWRENCEVILLE GA 30045
816 DONINGTON CIR
LAWRENCEVILLE, GA 30045-3578

ANNUAL FHA DISCLOSURE NOTICE TO MORTGAGOR

ABOUT YOUR LOAN

This notice is to advise you of requirements that must be followed to prepay your mortgage. This notice is also
to advise you of requirements you must fulfill upon the prepayment of your mortgage to prevent the accrual of
any interest after the date you prepay your mortgage.

WHAT THIS MEANS

The amount listed below is the amount outstanding on your loan for prepayment of the indebtedness due under
your mortgage. This amount is good through February 28, 2022. (The amount provided is subject to further
accounting adjustments. Also, any corporate advances made by us or payments received from you before the
stated expiration date on this notice will change your prepayment amount.)

The amount below reflects the amount outstanding under the mortgage, including principal, interest, penalties,
late charges, advances, any other charges related to the loan, and any foreclosure or bankruptcy expenses
incurred to date under the mortgage.

$164,833.20 (Balance Due)

You may prepay your mortgage at any time without penalty. You will only be required to pay interest up to the
date the prepayment is made.

QUESTIONS? CONTACT US
If you have any questions, please contact our Customer Service Department at (800) 777-4001.

Toll-Free: (800) 777-4001 Website: www.PennyMac.com Payments: Correspondence:

M – F 5:00 AM - 6:00 PM PT Secure Messaging Online: Standard Address: Attn: Correspondence Unit
SAT 7:00 AM - 11:00 AM PT Create an account and/or log in to P.O. Box 30597 P.O. Box 514387
Toll-Free Fax: (866)577-7205 http://www.PennyMac.com, Los Angeles, CA 90030-0597 Los Angeles, CA 90051-4387
then look for the Secured Message Overnight Address: (Please do not send payments)
Center to communicate with us securely. Attn: Lockbox Operations
20500 Belshaw Ave.
Carson, CA 90746
(Please do not send correspondence)
Annual HUD Disclosure
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In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. section 1692 et seq., debt collectors are prohibited from engaging in abusive,
deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane
language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.

NEW YORK - If a creditor or debt collector receives a money judgment against you in court, state and federal laws prevent the following types of
income from being taken to pay the debt: 1) Supplemental security income (SSI); 2) Social security; 3) Public assistance (welfare); 4) Spousal
support, maintenance (alimony) or child support; 5) Unemployment benefits; 6) Disability benefits; 7) W orkers' compensation benefits; 8) Public or
private pensions; 9) Veterans' benefits; 10) Federal student loans, federal student grants, and federal work study funds; and 11) Ninety percent of
your wages or salary earned in the last sixty days. PennyMac Loan Services, LLC is registered with the Superintendent of the New York State
Department of Financial Services (Department). You may obtain further information or file a complaint by calling the Department's Consumer
Assistance Unit at 1-800-342-3736 or by visiting www.dfs.ny.gov.

NORTH CAROLINA - Licensed by the North Carolina Office of the Commissioner of Banks. Complaints regarding the servicing of your mortgage
may be submitted to the Office of the Commissioner of Banks, 316 W. Edenton Street, Raleigh, NC 27603, (919) 733-3016. Licensed by the
North Carolina Department of Insurance. Permit No. 119504607 - 6101 Condor Dr., Suite 200, Moorpark, CA 93021. Permit No. 119505929 -
14800 Trinity Blvd., Fort W orth, TX 76155. Permit No. 119506567 - 3043 Townsgate Rd., Suite 200, Westlake Village, CA 91361. Permit No.
119506570 - 2201 West Plano Parkway, Suites 150 and 300, Plano, TX 75075. Permit No. 119507419 - 10550 W est Charleston Blvd., Suite A,
Las Vegas, NV 89135.

OREGON - Borrowers: The Oregon Division of Financial Regulation (DFR) oversees residential mortgage loan
servicers who are responsible for servicing residential mortgage loans in connection with real property located
in Oregon and persons required to have a license to service residential mortgage loans in this state. If you
have questions regarding your residential mortgage loan, contact your servicer at (800) 777-4001. To file a
complaint about unlawful conduct by an Oregon licensee or a person required to have an Oregon license, call
DFR at 888-877-4894 or visit dfr.oregon.gov.
This is an attempt by a debt collector to collect a debt and any information obtained will be used for that purpose. However, if your
account is subject to pending bankruptcy proceedings or if you have received a discharge in bankruptcy, this statement is for
informational purposes only and is not an attempt to collect a debt against you personally.

Licensing Information

Equal Housing Opportunity © 2008-2022 PennyMac Loan Services, LLC, 3043 Townsgate Rd, Suite 200, Westlake Village, CA 91361,
818-224-7442. NMLS ID # 35953 (www.nmlsconsumeraccess.org). Trade/service marks are the property of PennyMac Loan Services, LLC
and/or its subsidiaries or affiliates. Arizona Mortgage Banker License # 0911088. Licensed by the Department of Financial Protection and
Innovation under the California Residential Mortgage Lending Act. Colorado: Colorado office: 700 17th St, Suite 200, Denver, CO 80202, (833)
216-6680. Massachusetts Mortgage Lender License # MC35953. Minnesota: This is not an offer to enter into an agreement and an offer may only
be made pursuant to Minn. Stat. §47.206 (3) & (4). Licensed by the N.J. Department of Banking and Insurance. Rhode Island Lender License #
20092600LL. For more information, please visit www.PennyMac.com/state-licenses. Loans not available in New York. Some products may not be
available in all states. Information, rates and pricing are subject to change without prior notice at the sole discretion of PennyMac Loan Services,
LLC. All loan programs subject to borrowers meeting appropriate underwriting conditions. This is not a commitment to lend. Other restrictions
apply. All rights reserved. (01-2022)