Ray, I am so sorry to hear that this is happening to you. First of all, do you want to give up the house? You can speak with a bankruptcy Attorney who can help you stop the auction by filing for bankruptcy. You can then buy yourself time to get current with the lender, modify your mortgage, or include some of the debt to get back on schedule. If you do not want to keep trying to afford the home because it is too expensive, then you are in a tough situation. Normally the person purchasing the home is buyin it to live in or flip so renting is not an option. There is a small chance that that would even be an option. I would work to make alternate plans so your not left getting kicked out of the home without another place to go. I wish you all the best. Again I'm very sorry for you.