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35 days late on mortgage payment, is this considered a mortgage late? What is the limit before my credit is affected.

by sean_lacey_jr01 from Frankfort, . Sep 9th 2013 Reply


Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,970 contributions

Anytime your mortgage payment is not paid within the month due, that late payment will be reported to the credit bureau. A current 30-day late on your credit report will have a significant impact on your score.

Sep 10th 2013
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John Moran (TheHomeMortgagePro)
#7 ranked lender in Arizona - 661 contributions

As previously mentioned, anything over 30 days is considered a late payment from a credit profile perspective. This is not the kiss of death necessarily, but you should be very careful not to get another 30 day late (known as 2 times 30) or keep paying 30 days behind (known as a rolling late payment). Making up the payment and then making the next payment on time will ensure that the 35 day late will have a minimal effect on your credit.

Sep 9th 2013
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Jericho Cherry (Jerichocherry)
#56 ranked lender in Virginia - 1,107 contributions

As everyone has stated mortgage payments pass 30 days will affect your credit.

Sep 10th 2013
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Carlo Sanchez (MortgageLendingPro)
#0 ranked lender in Utah - 1,163 contributions

MOst likely and if you have a Good credit it can affect it tremendously. i've seen over 100 pt hit to credit with a mortgage late.

Sep 10th 2013
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Jason Vondrak (jvondrak)
#216 ranked lender in California - 1,741 contributions

Any payment more than 30 days late will affect your credit score and can prevent you from qualifying for certain refinance programs.

Sep 10th 2013
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Peter Botros (PeterBotros)
#70 ranked lender in New York - 895 contributions

30 days.... i would call the servicer and see if there is any miracle that would causer them not to report or admit some type of fault or error that caused your late.

Sep 10th 2013
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Dave Metsker (DaveMetsker)
#37 ranked lender in Oregon - 2,317 contributions

Yes, anything over 30-31 days is a mortgage late. The effect will depend on your overall credit profile.

Sep 9th 2013
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Kiernan Brown (KiernanBrown)
#51 ranked lender in Michigan - 149 contributions

Yes anything over 30-31 days is considered as a late. One late payment will drop your score. However, as to how much depends on your overall payment history and . Why are your blend of credit accounts. Why are you asking are you looking to refinance or purchase another home?

Sep 9th 2013
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Elden Lewis (elewis_409_299)
#42 ranked lender in Indiana - 223 contributions

As everyone here mentioned anything over 30 days is considered late payment that will affect your credit score. Read John Moran's response i couldn't have said it better myself.

Sep 10th 2013
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William J Acres (William_Acres)
#73 ranked lender in Arizona - 8,726 contributions

If the mortgage payment is 30 days or more past due, it will affect your credit.. I recently read an article where a credit repair guy had argued that the 15 day grace period is an extension of the actual due date, and therefor to be 30 days late, you would have to be 30 days beyond the 15th of the month.. but in any case, you could contact your mortgage company and ask for a "good faith" deletion of the late payment.. If you have been a very good customer and have a good story, it's possible they would remove the late payment from your credit.. if not, then having one 30 day late payment is acceptable for a majority of the lenders offering mortgages, however you will need to explain why it happened and explain that it's unlikely to ever happen again. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Sep 10th 2013
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If u dont pay 30 days can bank do power of sale

Nov 22nd 2018
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