How to lower house payment? What is mortgage? Is it just loans from a company to lower your house payment?

I am currently paying $ 3000 for my house right now and trying to lower the payment since it is too high for me. My friend told me that when you do mortage, the company is going to partially own your house or something since they are lending you money. So far I found 2
loan companies that offer loans: and Are these the right companies? Am I making the right decision in trusting these companies that they could lower my house payments?

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