Mortgage advice.

[C Moon]

Who does one see for advice on what to do with their mortgage—outside of their lender?
We signed up for a 10-year adjustable /interest only 2 level loan (arrrgh!) 10 years ago, now it's coming to an end.
We want to try to combine the two loans into a fixed. We bought it in 2007 (when the price was very high). 4 months later it dropped in the great recession. Needless to say, it's still under water.

Any advice?
There are other variables that I won't go into—and it's not Fannie Maye or Freddie Mac, unfortunately.
I've been trying for years to get us out of this.
California—I've looked into KeepYourHomeCalifornia.
Right now, I just want to talk to someone to see what our options are.