You can either continue paying the mortgage if you can afford to, try a loan modification or short sale. These are your best options. If you like, I would be happy to consult with you to see if a loan mod will work as I can do this for free. It's my way of giving back to the community as I've seen too many people getting ripped off by loan mod scam artists. Please feel free to call or email me anytime. Good Luck.
The questions is can you afford your payments at this time? Did your husband's income reduced due to all switchings? Did you try for loan modification so that you can keep your house? If you are planning to sell then it would be short sale and you need an experienced agent to work with who know how to handle the short sale properly from the begining.
If you haven't tried for loan modification, then contact your lender directly so that they can help you to reduce your payment, you don't have to give anyone any fees. Consult with CPA or attorney for any tax ramification. If you are planning to do short sale, then let me know, I can set an appointment with you to discuss about short sale option. I specialize in short sales.
Certified Short Sale Specialist