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TERESA B | We are new homeowners,is there a grace period till you are late? |
are house payment is due on the 1st but we cant pay till the 3rd, will this harm our credit and count us late. |
 |
 
Real Estate Dawn
 |
Congratulations on your new home! Always exciting to move, but it costs so much to get everything hooked up and working.
Grace periods vary from lender to lender, which is why some people indicate they have a 15 days and others say they have 10 days. My bank only gives us 5.
If this is something where you get paid on the first and have to wait for your bank to process your check before you send payments out, and it is always going to be this way, call your lender and make arrangements to have your payment due on the 3rd or the 5th.
This happened to me on my first house, and my lender was really nice and switched it right over. - the first payment was a little more (five days more interest), the rest were the same as listed in my closing papers. |
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Amanda H
|
It probably wont hurt. Most have a grace period for up to 14 days before you get a penalty fee.
Besides that, even if you got a penalty fee, it would not harm your credit score. Credit bureaus have only limited options: Pays on time, 30 days late, 60 days late, 90 days late, etc.
You'd have to pay 30 days late to get the late pay on your report and hurt your score. |
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bianca
|
every payment late 30 days is reported to the credit agencies.
you have pay your mortgage payment between 1-15 days of each month. if they receive your payment on16th- you going to pay late fee of the amount of 5% of your mortgage payment. |
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Kismitt
|
call and ask---most give you 10 days before they say you are late. |
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roger w
|
You need to read the agreement, most lenders do have a due date and then a latter date, usually 2 weeks latter, after which a late pay fee will be charged. This bill is usually best to set up with lender on an automatic payment plan. They will typically pull on last day before late pay. This is one payment you don't want to be late with, late pay fees are high. |
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robert w
|
Yes and Yes. if due on the 1st pay by mail no later than 21st .re arrainge your bill payments to do so.
visit DaveRamsey.com to get info you need before you more messed up . |
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Charlie Bucket
 |
I'd call your mortgage lender, but normally you would be late and it would go on your record. |
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Nancy Kay
|
read you bank loan papers (promissory note) to see when the late charge applies (usually between the 10th and 15th). if you pay after that date be sure to include the late penalty...that is all that happens unless you are late more than 30 days...only then is it reported against your credit. |
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wannaknow
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You should check with your lender. I know for mine it is due by the 1st and late by the 15th. So you may have a couple weeks before it is considered late. Congratulations on being a new homeowner! |
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Phoenix, Wise Guru
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Your particular mortgage will detail any grace period. If it states that you must pay by the 1st, then it will be late and will show up on your credit report.
Read back through the loan paperwork you signed or call your mortgage broker to find out the requirements. |
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