I have a friend who's in the process of a refinance.  He's supposed to close next week, but due to a situation he's not been able to pay his last months payment.  Can he roll his past due payment into the new mortgage?  He tried calling the mortgage comany and they said that they can roll it in, but they won't give him any advice on wether or not he's better off rolling it over and being in a better liquid financial state, or paying it now, and being very tight.  He's heard it can possibly be bad on credit scores.  Any and all advice is welcome.

He better borrow the money and square away his old debts because the loan underwriter is likely to pull the plug on the new loan on the morning of closing.

btt for any other opinions.