What’s the best online site to lower my Mortgage interest?

It’s at 8.5 APR going up faster that warp speed,Chase bank won’t help,they told me to get behind 3 months..
..huh? I have never done that,it sounds funny to me. I have always paid early, full amount for last 10 years I have over 80%equity in my home..huh? Why can’t they help me,no one in this small town of 3 banks here are doing loans.I am retired and my fixed income and pension is being eaten up by this evil monster called Chase..yes they Chase your $ $ $ $ $ $ till your dead or broke…proper name for these crooks huh? …help!! please.

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