<prompt> Human: 1. Defer your mortgage payment for a month.2. Pay the normal amount that month anyway, directly to principle.3. Start payments on interest the following month when your deferred payment is due.Any reason why this wouldnt work, if only once?  <response>: No. Deferment isnt a free month. Each bank can be a bit different but it usually has penalties and requirements to get the loan back up to date. 