You may want to reach out to the Government and see if there i help. Lenders will modify the loan if it makes sense. The problem with most loan Modifications is that if you purchased with an FHA loan they can not set you up with a mortgage payment that is more than 31% of your gross income. Often this amount is not enough to cover taxs, insurance, interest, Hoa fees, and any type of reasonable principle reductionat your new income level. If it can not work out to a 30 payoff you may be turnrd down but it never hurts to try. Here is a link to help you reach out to as agency that can help you work out things with your lender.