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This can be really helpful to know and to factor into your payment strategy. If youre 30 or more days late it has an impact on your credit score as well as potentially affecting. Grace Period Definition This grace periodusually around 10-15 daysgives you a little bit of time to make your mortgage payment to the capital mortgage company. Mortgage grace period . The period between the end of a billing cycle and the date the payment is due is called the grace period. If you cant pay on or before the due date avoid late fees and negative credit hits by paying. During this period no late fees are charged and the delay cannot result in default or cancellation of the loan or contract. That means if your mortgage payment is due on the first of every month youd have until the 16th of the month to make your payment without penalty. After that your interest rate will reset based on the applicable index and margin. In most cases the due date is the first day of each month and a late f...