In reading through this I am confused by the fact that you have the money to pay the two back mortgage payments but would still rather wait and do it online. For a small fee they should be able to do this over the phone and therefor you avoid any chance of this problem. Especially as it looks like at the moment you will have not only a 30 day but also a 60 day reported on your credit . . . .I would just call and pay as quickly as possible. Ocwen is known as a lender that specifically deals with problem or potential problem debt. Even if there isn't a FC pending it sounds like you are perioulosly close.
