Hello, my 1st questions is :I did a loan modification on 2010 and at the time it lowered my mortgage payments but in the last 2 year's

You only have a balloon payment if your note states it is all due and payable on the "x" day of whatever. Look at the Note. If your interest rate is fixed, your principal and interest payment shouldn't change but if your taxes or insurance go up, your escrow payment will increase. Your escrow payment is equal to 1/12 of your property taxes  plus 1/12th of your insurance. You may be able to shop around and find cheaper insurance, which would  lower your payment but you're stuck with your taxes, unless your jurisdiction has a "tax relief for the elderly and disabled" program. Most have the program so call the Commissioner of the Revenue in your jurisdiction to see if you qualify and you may be able to substantially reduce your tax payment. Some of these programs waive 50%-%100 if your  income is low enough.