Most homeowners do not realize how much most lenders are willing to work with them.
You MUST communicate directly with the Lender. Explain your situation and ask them for their help and available options.
I have many friends, family and clients who have saved their homes and their credit by contacting and communicating with the lender. And, unfortunately, know of too many homeowners who didn't communicate with lender and lost their home.
Most of them are there to help and do not want to see you lose your home.