Frustrated in NJ,
Clearly you are experinecing hardship maintianing your home and keeping current with your home payments. There are solutions. However, in additions to hearing of your hardship I also hear you dictating the help that you are willing to receive. This, on first look, does not seem to be the best strategy to achieve the outcome most benefical to you. Often, rescue comes from sources we least expect.
The best action for you to take is completly dependant on your situation, the real estate involved, the onwership instrument, the lender(s) or investors involved and mortage insurance company These MUST be evaluated in their fullness in order to present you with the most likely sequence of events, the potential outcomes of each action or step, exit strategies in place, and time requirement.
It time for you to get SERIOUS!
Call a New Jersey real estate professional and get started. Most real estate professionals can arrange free legal consultation after your situation and needs have been assessed. Do not hamper the outcome by imposing conditions such as from whom you will and will not turn for help. How this process strats goes a long way towards determining how it willl end. FOllow the directions your professional provides and squash the tempation to second guess them by solicting opinions from stangers on the internet.
I wish for you the very best outcome.