This is called a Modification. Many banks are doing it now. If you would like to talk personally about it, give me a call 845-401-1448. Are you current with your loan now or are you struggling? Be careful about hiring someone who isn't local or reputable to help you do this. It involves disclosing a lot of personal information. You can of course call your bank directly and try and discuss it with them. You may have a hard time getting to the right person, but it is worth a try. You may have to write a letter of hardship, depending on your circumstances, they may be more or less receptive about working with you. Good luck and do call if you want to talk about your personal circumstances. I do have connections with attorney's that are handling this for people in NY. I would be happy to refer you.