How can I reduce my mortgage payment?

I have excellent credit, I own my house for 2 years. I have not had a job for 6 months, my income is now lower. I am even if my payments on time, but all I do is not enough, I can only give my bills, so I know I can not last long …. I have 2 loans at home when I refinance ago PMI, which is not lower my payment. Is what I can do?
I’m late, and interest and penalties develops täglich.Die minimum they will accept, even in a program “financial emergency” rehabilitation is $ 400. Moïtch can not repay this amount at the moment … But if I’m not the monthly amount will increase and dich.Ich am a homeowner .. do I get a refinancing loan and pays the FBI and the amount of my mortgage?

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