Are you looking to lower payments on your mortgage? Despite the Obama administration's efforts, the New York Times reports that for many it's a frustrating process. It wasn't supposed to be this way - under the terms of the Obama $75 billion program, the government offers mortgage companies $1,000 for each loan they agree to modify, then another $1,000 a year for up to three years. It is intended to help up to four million distressed homeowners but progress is being hampered by "the limited capacities of mortgage servicing companies." The administration is showing signs of impatience but predicts by the end of August the program should produce 20,000 loan modifications a week. Until then, homeowners will have no choice but to continue the uphill battle.