Is a 22 day late mortgage payment going to affect my mortgage?


No, don't worry about payments less than a month late.

A late mortgage payment won't go on your credit report, and the mortgage company will simply ding you some late fees incurred after the 10 or 15 day grace period.

Payments less than 30 days late are not reported to the CRCs (credit reporting companies).

Sometimes there are other priorities than making mortgage payments by the exact due date. Utilities bills, auto loans, medical bills - anything may add up and cause a little delay. The important matter is that you are not 30 days late, and your slightly late mortgage payment won't damage your score.

It will, however, make you spend some bucks on late fees that have to be covered asap, otherwise your next mortgage payment may be reported late even if it is made on time and more late fees will be incurred.

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