Hi Ive never posted on these boards but do have a back ground in accounting and mortgages. I completely understand what you want to do, ie. reduce monthly payments for a period of time, well one option would be to put money in a high interest account that you could make monthly withdrawals so that you would still be making interested, your plan wouldnt alot you interest on your money. You could take 835 plus your monthly draw down from account this would effectivily leave you doing what you want to do. Ok I hope this made sense.