what is considered past due for a verification of mortgage?

Anytime you are 30 days since the payment was due. Anything After 15 days but less than 30 days would only produce a possible late fee

Rob's answer is correct, technically, however, you might find that some lender may report any accounts that received a late charge as being 30 days delinquent. This is where talking over your credit report with a local, licensed mortgage professional can help - as they may see something like thatand be able to help you get it straightened out.

When it comes to credit bureau reporting, the laws say your lender cannot report you late if you never go over 30 days delinquent... however if you consistently pay your mortgage 20 days late, and you are going back to your same lender for a refinance, they could turn you down because of late payments.. When a lender calls your mortgage company for a verification of mortgage, they are looking to see if you have any information that's not showing up on the credit report like late payments.. since the laws are very specific, using the example above, even though you pay 20 days late, your lender will more than likely not disclose your repeated 20 day late payment history in fear that they could be sued.. 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

The Verification of Mortgage form asks "Number of times account has been 30 days overdue in last 12 months". I am in Appleton and can help with any other questions you may have.

Any time you pay your mortgage past 30 days you will see a past due on a verification of mortgage.

Read the terms of your mortgage. Most if not all payments are due on the 1st of every month and are considered late if received after that date. You will be assessed a late fee if the payment is received after the 15th of the month. Credit bureaus only report late payments once you go 30 days late.

Generally speaking, anything no paid in the month it was due. So for example, if you didn't make your July mortgage payment until August. You can be late, and you can pay a late fee, but late for the credit bureau is not paid in the month due. www.WI-MortgageBroker.com

30 days past due the date. Anything less than that may or may not result in a late fee, but is not considered late from a lending or credit perspective.

Past due over 30 days.

Hello, 30 days past the due date is considered late for a verifiction of mortgage & then will also reflect on your credit report. Please feel free to contact me directly as I am a local lender - Office in Oconomowoc & live in Watertown!!! Sincerely, Mandy Fritsche, Prospect Mortgage, Mortgage Loan Officer, NMLS# 557211262-327-5700 Cell, 877-868-9198 Fax, mandy.fritsche@prospectmtg.comwww.MyProspectMortgage.com/mfritsche

Just in case anyone need to fill out a verification of mortgage form, I found a blank form in this link http://goo.gl/l49nYj. This site PDFfiller also has several related forms that you might find useful.