Hi Wilfredo, You definitely want to call your loan servicer (where you send your payments).
They will, most likely, refer you to the loss mitigation department. This department will work with you to set up a payment plan to make up the back payments, etc.
Whatever you do, do it quickly. There are less foreclosures these days and with your area being very desirable area in which to live, the bank will work to foreclose quickly.
Time is of the essence for you. Call your lender now!!