re-amortization options, lender doesn't support

[Sam Alex]

Hi,

I would like to lower the monthly payment on primary residence by paying down some of the principle. My home loan was sold to 'Bank of the Cascades'  around 6-months ago, i called them and they told me they don't have a program to do that. I believe my only other option is to re-fi (but the rates are a little higher and there will also be re-fi costs), are there any other options i should look into? 

thanks,
Sam