I made the requisite phone calls today and gave them both some of the money they want, which will placate them. The electric company seemed fully mollified and happy to take the remainder of what I owe them by the due date of the current bill early next month. The mortgage people aren't so thrilled, but they also know about the refinancing I'm in the middle of.
Should hear about the refinancing next week. If all goes as planned, that pays off the mortgage, replacing it and the home equity line of credit with a new mortgage. So hopefully the money I put out today will be used to pay the late fees and any extra will go for closing costs or some such.
The nice thing about this is that while I recognize that it's stressing me, I think I'm handling it fairly well. I don't want to curl up in bed and never get out. I still make it to work on time. It's hard to keep going, but I'm doing it.