Nationwide Advantage Mortgage Company Mortgage Complaint

Nationwide Advantage Mortgage Company Mortgage department,

Conventional fixed mortgage Loan modification,collection,foreclosure Kansas

I was late on payments, applied for modified payments and met the requirements. Nationwide wants me to sign a modified mortgage agreement which will extend my mortgage for - years at $580.00 a month. I currently have a loan agreement for - years at $610.00 a month. Or I have to make up the difference between the modified amount and normal amount which is $1200.00 or be foreclosed. The extended years if I am unable to refinance with have me over $20000.00 on a mortgage I only have $ 54,000+/- left. Why if my loan is extended, the payments are n't lower?