I bought my house November 2021; my first payment was due January 2022 I made my payment in December 2021 for January 2022. and I have made my payments like that ever since I bought the house. In November 2025 my payment was applied to December like it should have been, then December's payment was applied to December instead of January 2026 and my payment have been behind since, and I didn't know it until a late notice came in August 2026 and now, they say they can't go back and fix it that its past 30 days. I wouldn't recommend 53rd to anybody.
Recommendation: Go somewhere else for your mortgage.