Snowballing certainly has its benefits, but i’m wondering if there is a better way to reduce total interest expenses.Given that that 2/3 rds of interest is paid in the 1st ten years of a 30 Fixed mortgage, there is a timing aspect that comes into play.  

We are just trying to play it safe and plan ahead of time.

Also not sure how this pandemic is going to play out !

Your servicer will probably have some variation of this Fannie/Freddie Form 710 to apply for the modification:http://www.freddiemac.com/singlefamily/service/docs/form710.pdfAsk them for it, or google your service provider + form 710. 

Then, the remedies have to be put into play.  

This is how it's playing out in Cincinnati at least.And their iBuyer program was only suspended due to the market shift. 

Doesn't mean a bottom but when you scale into things you have ammo to play with.

Use it against them if they playing A game.

I would recommend a spread across the spectrum as @Daniel Hyman suggested, the old adage of "... eggs and baskets..." come into play.

Then purchase his game Cash Flow Quadrant & find a group to play with once per week; 3.