what they are telling you is correct they can't do anything unless you fall behind on payments and i do not reccommend that. you have to understand that their hand are tied as well, you signed a contract agreeing to pay them. there is no stipluation in that contract that states that if you experience a hardship they have to work with you to change the terms of your loan. believe me your mortgage company does not want your property. the sad thing is that you have to be at least 60 days behind for them to help and that isn't a guarantee because the investor of your loan will decide what plan of action the mortgage company will take in helping you. that could mean a forebearance agreement which will raise your payments or a possible modification but that won't necessarily lower your monthly payments. my advice is that if you can't afford the property then move to a place that you can afford before you mess up your credit. no point in fighting for a place you can't afford.