The responses received will get you along the way. http://HopeNow.com, 888-995-4673, provides free counseling and guidance for distressed mortgages from HUD intermediaries.
There is an excellent real estate primer and reference at http://homebuying.about.com that you should bookmark for ongoing use.
http://www.mtgprofessor.com answers virtually all questions one can conjure regarding mortgages. This website is info only written by Jack M. Guttentag, Professor of Finance Emeritus at the Wharton School of the University of Pennsylvania.