How can we reduce our mortgage rates?

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Hello, I wonder what are the ways to reduce our mortgage. We currently have over $ 300,000 loan for our house. However, we have two different loans, they are 10% and 7% interest. I wonder what measures we can reduce them. With the plunging economy, it is increasingly difficult to pay these bills. I was in the news we have heard our reduced mortgage interest up to 5%? Please, if there is anything we can do, please let us know. Thank you for your help.

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