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A Mortgage Statement is a document provided by your mortgage servicer that outlines your current loan status, including payment details and outstanding balances. It serves as a crucial tool for homeowners to understand their financial obligations and track their mortgage payments. Stay informed about your mortgage by reviewing this statement regularly and ensure timely payments to avoid penalties.

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Table of Contents

Form Overview

Fact Name	Description
Servicer Information	The mortgage statement includes the name of the servicer, their customer service phone number, and website for borrower inquiries.
Borrower Details	It contains the borrower's name and address, ensuring that the statement is personalized and relevant.
Account Information	The statement outlines key account details such as the account number, outstanding principal, and interest rate.
Payment Due Date	The document specifies the payment due date and the amount due, which is crucial for timely payments.
Late Fees	If payment is received after a specified date, a late fee will be charged, clearly indicated on the statement.
Transaction Activity	A section details the transaction activity over a specified date range, including charges and payments made.
Past Payments Breakdown	This section summarizes past payments, detailing amounts paid towards principal, interest, escrow, and fees.
Delinquency Notice	A notice alerts the borrower of any late payments and the potential consequences, including fees and foreclosure.
Financial Assistance Information	The statement provides resources for borrowers experiencing financial difficulty, including mortgage counseling options.
State-Specific Laws	In some states, specific laws govern the format and content of mortgage statements, ensuring compliance and protection for borrowers.

Download Mortgage Statement PDF Form

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Documents used along the form

When managing a mortgage, several forms and documents are commonly used alongside the Mortgage Statement. Each serves a specific purpose in the mortgage process, helping borrowers stay informed about their loans and obligations.

Loan Agreement: This document outlines the terms and conditions of the mortgage, including the loan amount, interest rate, repayment schedule, and any penalties for late payments. It serves as the foundational contract between the borrower and the lender.
Payment Coupon: A payment coupon is typically included with the mortgage statement. It allows borrowers to easily submit their monthly payments. The coupon usually contains important information such as the account number and payment due date.
Escrow Account Statement: This statement details the funds held in escrow for property taxes and insurance. It shows the balance in the escrow account and any disbursements made on behalf of the borrower.
Notice of Default: If a borrower falls behind on payments, this document notifies them of their delinquency. It outlines the amount owed and the potential consequences of continued non-payment, including foreclosure.
Loan Modification Agreement: In cases where borrowers are struggling to make payments, they may seek a loan modification. This document outlines any changes made to the original loan terms, such as a lower interest rate or extended repayment period.
Foreclosure Notice: This is a formal notice indicating that the lender is initiating foreclosure proceedings due to non-payment. It provides details on the timeline and the actions the borrower can take to prevent losing their home.

Understanding these documents can help borrowers navigate their mortgage obligations more effectively. Staying informed is essential for managing a mortgage successfully.

Document Sample

[Servicer Name]

Customer Service: [PHONE NUMBER] [WEBSITE]

[Borrower Name and Address]

Mortgage Statement

Statement Date: _______

Account Number	____________
Payment Due Date	____________
Amount Due	____________

If payment is received after [DATE], $____ late fee will be charged.

Account Information

Outstanding Principal	$_______
Interest Rate (Until [Date])	______%
Prepayment Penalty	[Yes/No]

Explanation of Amount Due

Principal	$_______
Interest	$_______
Escrow (for Taxes and Insurance)	$_______
Regular Monthly Payment	$_______
Total Fees Charged	$_______
Total Amount Due	$_______

Transaction Activity (_/_/_ [Date] to _/_/_ [Date])

Date	Description	Charges	Payments
[Date]	Late Fee (charged because full payment not received by _/_/_	$
[Date]	Payment Received – Thank you		$
[Date]	Fee Description	$

Past Payments Breakdown

	Paid	Paid
	Last	Year to
	Month	Date
Principal	$	$
Interest	$	$
Escrow (Taxes and Insurance)	$	$
Fees	$	$
Total	$	$

-------------------------------------------------------------------------------------------------------------------------------------------------------------------------

[Servicer Name and Address]

Amount Due

Due By _/_/_ [Date]$

$___ late fee will be charged after [Date]

Additional Principal	$
Additional Escrow	$
Total Amount Enclosed	$

Make check payable to [Servicer Name]

[Account Number]

[Additional tables to be translated]

Important Messages

*Partial Payments: Any partial payments that you make are not applied to your mortgage, but instead are held in a separate suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage.

**Delinquency Notice**

You are late on your mortgage payments. Failure to bring your loan current may result in fees and foreclosure – the loss of your home. As of [Date], you are __ days delinquent on your mortgage loan.

Recent Account History

·Payment due [Date]: Fully paid on time

·Payment due [Date]: Fully paid on [Date]

·Payment due [Date]: Unpaid balance of $________

·Current payment due [Date]: $_______

·Total: $_______ due. You must pay this amount to bring your loan current.

If you are Experiencing Financial Difficulty: See back for information about mortgage counseling or assistance.