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Why does FlagStar Bank harass you about payments within grace period?
All standard mortgage promissory notes mandate payments are due on the first of every month; I can almost guarantee the note you signed has this provision.  Most lenders offer a grace period of generally 15 days before they assess a late charge, but the payment IS late on the 2nd.  People have become incorrectly accustomed to believe that the payment is due between the 1st and 15th. If they are servicing your loan for another investor (FNMA, FHMLC, a private investor, etc.), they may have contractual requirements to begin collection activities by a certain date. So they are within the rights you granted them.  If these calls really bug you, you can start to adjust your cashflow so you can perhaps make your payment a few days ahead of the first each month.