There are two sources of professional help in negotiating a credit change: Although a loan change can be made for each type of loan, they are the most common in secured loans such as mortgages. Let`s use a simple example to illustrate how a loan change works that needs to be reset this year. Assuming that the loan was changed five years ago and the interest rate was set during that five-year period. This is just one example – your credit terms will be different. Some of these programs have expired, but government-subsidized credit modification assistance is still available to some borrowers. This includes: If you`re concerned about a new monthly payment or expect challenges, your mortgage company can check your options with you.