How can I get a lower monthly payment for a loan?

I have 2 only interest mortgage (ARM / HELOC), which comes to $ 2450 per month. I recently received devorced, and hard to find, make my mortgage payment (no late payments yet), but I can make a payment of $ 2000-2100 per month. I tried to refinance, but I need clossing off cost of $ 12,000, its impossible, since all my savings. . I really want to keep my house … What should I do? .. Then my mortgage company help? or are there other ways to get a lower payment?

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