There are some mortgage payment assistance programs in some areas that some people may qualify for especially if you suddenly lost your job and are actively looking for another job until you can pay your mortgage.
The mortgage payment assistance programs can help people who have a job loss or low income to help with payment relief by providing funds to help pay for part or all of the borrower's monthly mortgage payment.
Not everyone will qualify for the mortgage payment assistance though.
In that case you can refinance your mortgage to get lower payments however it can take you longer to pay off the mortgage.
But if you're struggling to pay your monthly mortgage payment then refinancing your mortgage to get lower payments can help when you're struggling to pay your mortgage.