Details of homeowner assistance programs will be released in the next few days.  If you are behind on your mortgage payments, or in danger of falling behind on your payments, don't hesitate for a minute to contact your lender.  Their phone lines will have long wait times...if you live on the East Coast, call first thing in the morning before the West Coast is calling them! 
Online, go to www.hopenow.com for information on how to approach your lender regarding loan modification and assistance. 
Contact the loan officer who took your loan application or contact the real estate agent who sold you your home. 
You are not alone, and the hardest part of working through these difficulties is taking that first step, making that first phone call.