I've been mulling this over and had another thought. Tell me if it's feasible- I've never used the "convenience checks" they send with my credit card statement.

1. Get an airline/hotel credit card to be used only for this purpose so you don't have balances for any other reason. This will minimize finance charges.

2. About the 25th of the month, write a check from your checking account for the mortage amount plus whatever cash advance fees the credit card company charges. Send it to the credit card company.

3. On the first of the following month, pay your mortgage with a check drawn against your credit card account.

Downsides: you lose interest on your mortgage payment during the time the credit card company has it, and you incur a cash advance fee.

I'm a little unclear about what happens if you incur other charges on the card during the month. My concern is that if you send, say, $2000 for your mortgage but you have $500 in unbilled charges on the card, you have only a $1500 credit left to offset the check you wrote for your mortgage. You pay finance charges on the rest.

Are there any other holes in this?