I have a mortgage loan that every month I have 4 options, on how to pay the fist one is minimum payment but it

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puts me in a negative, of about 700 a month, 1at 1647.00
2 2400.00
3 2700.00 I have a 50.000.00 of down that I gave on the house, and the 2nd option of payment which is 2,400.00 is getting difficult to me to pay, is it really bad paying the 1st option on this difficult time I am having now, am I hurting my loan alot, please let me know what to do, this is a wahington mutual loan. thank you

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