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Unfortunately if a 30-day late payment hits a credit report, it typically will drop the score on an average of 60 to 110 points right away.Any payments which go anywhere between 31 days to 60 days late are considered a 60-day late and will compound the drop in score further.
Mortgage Payments: Due Dates, Grace Periods and Late Fees. Although a mortgage payment is technically late the day after its due date, most mortgage companies don't start collection activity until your grace period has expired. You may receive a reminder notice or phone call if you have not made your mortgage within a week to 10 days after your payment is due.