Delinquency
Failure to make mortgage payments when mortgage payments are due. For most mortgages, payments are due on the first day of the month. Even though they may not charge a "late fee" for a number of days, the payment is still considered to be late and the loan delinquent.
When a loan payment is more than 30 days late, most lenders report the late payment to one or more credit bureaus.
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