There is no solice in knowing that you are not alone:
Your house probably will not be sold at auction; historically, the bidders on the "courthouse steps" are low-ballers and will not be accepted.
1.) If you haven't already done so, contact a Realtor and List the house for a short sale.
2.) Your Realtor will notify the Bank of the endeavor
3.) Submit a "letter of Hardship" to the Bank explaining what your situation is
4.) Whether you are in a Shortsale situation, or going thru Foreclosure, you will normally be given at least 30 days notice to leave.
5.) The Bank's Realtor will offer some "moving" money, probably $1,000 to $3,000; this is to ensure you move in a timely manner and without doing any damage to the house. You won't receive the money until 2-4 weeks after you move.
6.) If you get an OFFER while doing the SS, you may have 3 - 12 months until you have to move (one way or the other.)
7.) Rely on your Realtor, that's what he's there for.
good luck and may God bless