Mortgage payment trouble?

I have an 80/20 loan. The interest on my 80 is 7.6% and 12.6% on my 20. I bought my house 2 years ago and I have a 3 year penalty for refinancing purposes. My mortgage payment combined is $ 2437
We have a small trucking company and our volume of work have decreased a lot plus fuel cost is killing us, plus loads dont pay what they should so we are having a hard time paying this mortgage.
We dont want to lose our house but dont want to refinance because it is an $ 11,000 penalty and in the end we wont be saving much (I asked around a few companies) the house doesnt have any equity
My question is if there’s any other choice from mortgage companies to reduce the payments at all???

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