I am assuming you mean that you don't have enough money in the house to sell and pay off the loan, pay the agents commissions and the attorney and recording fees. You are in a tough corner unless you can sit it out awhile or try and sell for enough to cover the costs or you might have to wait for the payment situation to get worse to get the banks attention to allow a short sale. Another option could be Keys for Deed where you just give the keys to the bank and walk away.
Good luck too you.
But my clients did not give up. After the 4th attempt they finally got the loan modification done at the current interest rate from 6.5%. They plan to stay in the home for now but if work situation changes they may have to let go their home.
It tough but unfortunately situation that banks won't work with home owners.
Please see my blog with tips and advice for getting a short sale approved
Generally for a bank to approve your short sale, a home owner must prove financial distress. You should use a Realtor who is Short Sale certified and can put a good short sale package together for you. Financial distressed home owners can't really have any money in the bank account....
Have your Realtor speak to you about other options and have them work with your mortgage lender.