NoteHarbor watches every loan against the clock so you don't have to.
When a loan goes delinquent
Each loan has a grace period set by Late charge days (lateChargeDays) on the loan. Once a scheduled payment is unpaid past that grace window, the loan is flagged delinquent. The days-late count recalculates every day against the server clock, so it's always current the moment you open the app — no manual refresh.
Spotting it
Delinquent loans carry a red delinquency badge in the loans list, with the days-late count right on the row. Sort or scan the list to triage who needs attention first.
Send a late-payment reminder
Open the loan's Payments tab and click Send late payment reminder. NoteHarbor emails the borrower a courteous past-due notice, and the send is written to the loan's audit trail so you have a record of every nudge.
It feeds the foreclosure tracker
Persistent delinquency is the front end of the foreclosure timeline — when a loan is far enough behind, you can open a case from the Foreclosure tab and the history carries forward.
Tip: set realistic
lateChargeDaysper loan so the badge reflects each note's actual grace terms.