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your payment won’t be reported late until it is 30 days past due from the 1st..you are fine BUT you will have to pay the penaltly.
I would hold on to the money incase the closing is delayed but the lender can’t report a 30 day late unless you are a full 30 days late!
I’m closing on my refinance next Tuesday the 10th. My payment was due 1/1/2012 but I don’t have to pay the $10.00 late fee until the 10th. After a 3 day recision period, my loan should fund on the 16th. Should I still make this months payment??? I want to make sure that I don’t have a delinquency on my credit.