In January we were informed that our mortgage was late. After the shock wore off, we researched the problem. We had just started paying online and messed up our accounts. We thought we made two payments, one to our mortgage and one to our second mortgage.in fact, we made both to our second mortgage. We informed Citi of our mistake and said we would make one and a half payments for the next two months and then we would be caught up. They said it would affect our credit, we didn't have a credit cards "the reason for a second mortgage." Our goal is to be debt free, except first mortgage, in five years. We told them our credit could survive a 30 day late hit. Now the kicker is the second mortgage is with them too, and they applied our second payment to the principal, which is four payments worth. They have been calling us three to five times a day every day since. It is the first time we have ever been late and we have been treated like dead beats.
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