They will charge you $7.50 for each phone or onlin...

They will charge you $7.50 for each phone or online payment. It was only free if you did automatic payment. But it doesn't start until the second payment. So regardless, they will get a free $7.50 from you without doing any work. They won't send you a statement or a notice for your mortgage...so of course you will have to pay the late penalty also.