About my house loan.

I have my house for oven 15 year,i start have problem when Hsbc bank  bought my loan,their give me modification,every 6 mouth ane year, and know my  payment  getting high,is and i don;t know what do, nobody cant help me because this hsbc bank, all the programs althere i cant use their don,t let me,something need to bee done,i need refine my house for m don,t lose my house,please help.Ms Mcfarland.