Definition of opponent for English Language Learners. : a person, group, etc., that is against something (such as an action, law, or system) : someone or something that does not want something to exist, be done, etc.
Generally, your first mortgage payment is due on the 1st day of the 2nd month following your closing date. For example, if you close in February, your first mortgage payment will be due on Aproil 1st. Generally speaking of course.
There is not a hard and fast rule that lenders have to follow, and you should check the terms of your mortgage or deed of trust, but generally foreclosure starts after you are 60 days late on payments. Basically, when you skip the first payment (let's assume it is due on the first of the month), the bank notes you being 10-30 days late and sends a notice to you asking you to come current.