Following months of often turbulent negotiations, the Los Angeles-based savings and loan and Dallas-based Hall Financial Group said they've agreed to new terms on loans of $157 million. The agreement extends the length of the loans and lowers the interest rate by several percentage points. The 16 properties affected are largely apartment buildings located in Texas, Arizona, Colorado, Florida and Michigan. Westwood Savings, which now operates under government conservatorship, was lead lender on the loans. Hall Financial is a major U.S. property syndication firm.