Please no judgement

My husband and I had to get a loan through the mortgage which my husband did. They paid 3 months of our mortgage and we knew we had to eventually pay back. They sent us 2 things to do we either pay $1,900 normally pay 1,200 or we pay in full. Can’t do that at the moment though can’t even afford 1,900 a month. We have to pay till the loan is paid off. My husbands jobs slow at the moment and barely making it with the $1,200. Would any of y’all recommend a loan? I told my husband it sounds easier paying a loan off which will be cheaper a month then paying the extra $700 a month. What sounds like the best option trying to pay $1,900 or get a loan and pay cheaper a month to a loan company?