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It depends on the lender and the grace period. I think it sounds like you will only make the mortgage payment but not the late fee? If this is the case, there will be a difference and you will owe and be responsible for the late fee. At any rate this can be reported to the bureaus as ‘late’. Even worse if it’s over 30 days, even on the late fee, the lender will report to the bureau as 1X30.
Would you rather have 1X30 or pay the late fee and have good credit? You choose. If you’re late, that is your responsibility. Even if it’s a late fee. Pay it. Do the right thing. If your situation is not so great call the lender and talk to them. They will work with you to make partial payments. AVOID all all costs of them reporting any wrongdoing to the bureaus.
If a make a mortgage payment that is 15 days late but I do not include the late charge for that month will this affect my credit?