I agree with Cindy, contact her and try to work out a mortgage mod. You didn't say if you live in the house or it is an investment, there are differences in what lenders will do.
Not sure about Jay's post...
>>>>please email me charles. I'm a re whoar and can make all your problems disappear.>>> was that a typo? what is a re whoar? Please explain for all of our benefit ;-) We'd like to know how to make problems disappear too! Can you vanquish teenagers and mother in laws? (giggle) If so, let me know, I will pay good money to learn this!