Do you feel that your home mortgage payments are crushing you? Would lower mortgage payments go a long way to making your life easier and freeing up some cash for other essential expenses? Well, you will be glad to learn that mortgage payment options are not set in stone. There are a number of things you can do to lower your mortgage payments. If you are like most homeowners, you have had to cut down on your grocery budget, eliminate most entertainment and cable subscriptions, and even deny yourself and the family many things just to save a little more each month.