If you’re devoting a big chunk of your income to paying your mortgage, it may be worth calling to negotiate better terms.

Here's the link to an excellent article in the New York Times that will give you some guidance. The key to getting a deal from your mortgage company will be your debt to income ratio...remember that number? It used to be the basic number lenders used to determine how much of a mortgage a borrower could afford....that is before the "money party" began.