I would suggest you contact the mortgage companies for your first and second mortgages. Most companies now have entire departments devoted to loan modifications. Be sure you are speaking to someone in the loan modification department and just explain your situation. If they think they can help you., they will likely ask you to fill out a financial statement and provide proof of your income. You may also need to write a letter explaining why you need the modification. You should expect this process to take 60 - 90 days and they may or may not grant your request.
I hope this helps!
Keller Williams Lanier Partners