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Your mortgage payment has a date due, but there’s also a built-in grace period, usually of 15 days. If you pay within those 15 days, you won’t have to worry about it being reported to any of the credit bureaus. However, if you push beyond that, you will begin hearing from the lender, then reported.
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Helps you avoid mail delays and late charges by scheduling your payment within your grace period. Bi-Weekly Draft (every other week) Results in one extra principal payment per year, so you’ll be finished with your mortgage sooner and pay less interest over the life of your loan. Semi-Monthly Draft (twice per month)
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The grace period can vary, but as an example, mortgage companies could have a 15 day grace period. This means if your payment is due on the first of the month, then you have until the 15th of the same month to make your payment before a penalty is assessed.
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Freedom Mortgage answers your common mortgage FAQs in a language you understand. Let us help you understand your options for home loans, refinance or cash out loans & provide you with the information you need to make an educated decision.