When am i considered 30 days late on my mortgage payment?

Like most my payment is due on the 1st there is no late fee until after the 15th. So my question is whether or not 30 days late is the first of the next month(after the payment was missed) or the 15th of the next month since technically there is no late fee until the 15th of each month? I called my mortgage company... show more Like most my payment is due on the 1st there is no late fee until after the 15th. So my question is whether or not 30 days late is the first of the next month(after the payment was missed) or the 15th of the next month since technically there is no late fee until the 15th of each month? I called my mortgage company and talked to two people and one said the 1st of the following month and the other said the 15th of the following month.
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