financially strapped with a 2063 monthly mortgage payment. How can we reduce our monthly payments?Bought our house two years ago for 276000 and now the property is worth about 189000. Able to hang on this long has been a miracle. All repairs made to home prior to purchase are failing. i.e. Roof, Black mold around shower stall and so on. Credit debt is escalating just to make minor repairs. What's the best solution to obtain a lower monthly payment.April 22 2010 - Vacaville00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.