Primarily, to lower body fat, you should address your diet, as approximately 80% of how you look is a direct result of what you are eating. Your diet should be calorically in line with a healthy weight loss of 1-2 lbs per week (this is a calorie thing, not a low-fat thing, because you can eat 3000 calories a day of rice which is fat free and not lose a thing, OR you can eat 1400 calories a day of a healthy balance of foods including fat and you will lose weight).
Then I would consider my cardio and weight training program in accordance with the guidelines outlined at the link. This is a great article that addresses why we don't lose the weight we think we should, and has some great recommendations:
http://www.womenfitness.net/top10_we...ss_reasons.htm
And THEN I would be patient! Because if you do all of the above, you'll lose the body fat and shape up!!!
Good luck,
Kira