wells fargo telling me that one day is the same as 30 days late

[Rachael Collins]

I am working on a  refi for my primary residence. It's a rural property (20acres) and we bought it with private money. In providing mortgage payment verification to Wells Fargo they are telling me that checks dated one day after the due date is considered the same as 30 days late. The payment is due on the 26th,  so I wondered if the few checks dated the first or second of the next month made them think it was thirty days based on a due date of the first of the previous month.  However, as indicated above they said one day is the same as 30 days late.  Is this normal, or legal? I know loan requirements are strict, but this seems excessive.  Thanks-

[Jeff Dulla]

@Rachael Collins - I am not qualified to answer this question from a legality standpoint but if you do read over the typical mortgage - it does tell you that payments are due on the due date and that any days beyond that, you can be considered in default on the loan. The typical 15 day grace period is allowed because lenders do not want to default on people and enough lenders have adopted that grace period where it has become commonplace. But this is not the first time I have heard of this at all and we as a mortgage lender have been making it a point for years to tell people that your payment is actually do on the due date. 

I wish you good luck with this and hopefully I am completely wrong and they are misinterpreting your payments as 30 days late.