When you first purchase a home, your initial mortgage payments are, by default, deferred. Typically, most homeowners do not pay a mortgage payment until the first day of the month, two months after closing. So if you sign your closing documents in September, you will not need to pay your first mortgage payment until December 1st in this case. Of course your closing costs may have been higher, because they would include your prepaid interest.
However, if you are seeking to defer a mortgage payment for a few months during the term of your loan, perhaps because you are interested in paying off or debt consolidating a mortgage, you need to do a few things:
You may also wish to speak with an experienced attorney who can help you to negotiate with your lender to get him to agree to an arrangement that works for you.