How to Lower Payments on your mortage. If your loan balance on your first loan or HELOC is larger that the value of your home we can often negotiate a very large balance and rate reductions. These days’ homeowners and investment property owners often find the value of their properties are thousands of dollars less than what they owe to the lenders. You can Stop and prevent Forclosure many ways including loan modification, lower payments, reduce loan balance. We can provide loan modification help and rescue your home.