Mortgage Loan Modification?

We are currently in great standings with our mortgage and the bank which holds the note. Due to unforeseen cirstances, we've got a reduction in income. We have a HELOC with another bank and about 50K in consumer debt. We have been unsuccessful in obtaining a refi using an outside broker obtained on the internet. Are biggest setback is our mortgage payment which is a fixed 30yr at 6.5% ($3500 mo). We cannot afford to pay the 1st, HELOC and the consumer debt anymore. We've never made a late payment...do we have a good chance with a modification? We have financed 2 houses with our current bank and have a personal relationship with our banks' broker. We are going to call and ask but I was wondering if banks will modify one loan without having to touch the HELOC? We cannot refi both (not enough income to support it). We could afford to make the payment if we just had a lower 1st. NO WISE CRACK COMMENTS!! Serious answers only!