DO Call your lender for an adjustment in your payment. In today's times they are more than willing to help a homeowner stay in the home. They have enough homes in their inventory.
Good luck to you and your wife!
Give me a call Monday afternoon and I will answer your questions. You do have options....your first step is contacting your lenders to see if they will write down ad/or modify your loan. Your lender may very well be willing to write down a portion of your mortgage theu the Housing Recovery Act recently passed. More info at the site below.