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Delinquent loans happen when a borrower doesn’t make their mortgage funds by the due date. This delinquency might differ in severity depending on how long the payment has been overdue. Generally, a loan turns into delinquent after only one missed payment. The penalties can escalate rapidly—after 30 days of non-payment, lenders may report the delinquency to credit score bureaus, impacting the borrower’s credit score negativ
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