How can I lower payments?

I owe $38,000 on my first mortgage to VHDA and $21,000 on my second mortgage at my bank. My house is values at $125,000-140,000. My payments are $636.00 and $415.00 per month respectively. Since I am on Social Security I get paid on the 15th or later each month. The payments are due on the 1st so I am always late. I get exactly enough to pay these two with nothing left over. Can I change a due date or refinance at this point? by bgkhudson3330 from , California. Dec 5th 2016 Reply