not sure of the exact question - but i will go with what i think you are asking. "if you get a mortgatge will there be 2 separate payments involved?"
NO. A mortgatge is a loan that is paid back over...
A deferred payments is to make the payment at a later date. From time to time a creditor may ask if you would like to skip a payment. They would charge you about $50 and move the payment or defer it...