help after discharge

I just received my discharge (chapter 7) my house loans we’re included in the discharge we were up to date on all payments never late or missed a payment. however I do still want to keep the house but I would like to work something out to lower my payments , does anyone know what my options are? I am up to date with payments never late but the house is under 20,000 more than it's worth. I owe 245,000 and it may sell for 220,000 give or take a few K.

What I have are two home equity loans
20 year loan = $134000 @ 7.24%
30 year loan = $111000 @ 5.99%.
The total two monthly payments are $1900.00. I would like to combine the two and get a lower interest rate and maybe cut the payment down to 1200 or 1400.
Or do you think it's wiser to just walk away and wait for the bank to foreclose on us? My loans are with Citizens’ Bank I don't have a clue as to how long I could stay in my house before we are made to leave... All suggestions and feed back is welcome.