(Or reach out online, says Jane Mason of Clarifire, a company that automates customer service functions for lenders and servicers.) If you can't afford to increase your payments, the missed amount will be added to your loan balance. If you can't resume regular payments, your loan can be extended or your interest rate could be lowered. That way, your payments may be lower, but it will take longer to pay off your mortgage. To help determine which option is best for you, servicers will ask if you can resume making payments, says Mason.