What's going on with my body?!

Ashley
Hi Ladies, 
I'm new to this group. My husband and I have been TTC for the past 3 months. Every month AF had visited, however, I'm currently a few days late now and every hpt I take, I've gotten a BFN. I'm kind of discouraged. Can it still be too early for the hpt to detect hCG? I've never missed a period in my life and they always start on the exact date as predicted. We haven't told any of our family or friends that we are TTC either. 
Thanks for any advise!