I agree with Cinnamon and Terrence,
Great information. For oWilydee77 and others in the same situation:
As hard as it gets, and no matter what information you read (often mis-information), don't walk away. I grew up in Bristol and Levittown and have friends in Croydon (not that it matters as this is happening everywhere).
I'm an agent and also a Director for P.A.R. (PA Association of Realtors). We've been discussing these situations with local, state and federal government for quite some time. Help can't come fast enough. We are seeing quite a number of situations just like yours.
You are not alone and there is help available as mentioned. Please keep that in mind. Too many times, homeowners are not willing to contact the mortgage company and they "suffer in silence". Contacting your mortgage company is the first step. Knowledgeable agents can also be a great resource.
Beware of companies trying to "help you out for a fee" or that suggest putting the home in their name etc.
In this economy, for many agents it's not just "about getting a listing lead", it's about helping individuals and community. Along with the other agents that have posted, I'm also available ANYTIME to help guide you to the proper information. Being a REALTOR isn't just about selling a home or getting a lead. I'm here if you need me (as are the others).
Good luck with your situation. It does get better.
Brian Luce ABR, CMMS, CMRS
Weidel Realtors - Doylestown
215-348-5600 x 122