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Are you in a financial situation where you cannot pay your mortgage fee monthly? What you need to do is get a mortgage refinance because it will help you a lot by adjusting the amount that you pay monthly that will suit your income that you are bringing in monthly. If you lower the amount of your mortgage (if that can be accepted) then you will need to take a longer time period to pay of the whole mortgage of your home. There are a lot of complicated things that comes with mortgages and refinancing them so you might need to talk to a mortgage refinancier agent. There are also info about mortgage refinance that can be found on the internet for you to check out if you really want to have a look at your options and more info about it in advance then you can do that easily since they are accessible on sites that offer these info. Some of these sites have been written by professionals so you can be assured that the info you are reading about mortgages and refinancing them is as accurate as they can be for the general use since people do have specifics.