Sorry to hear about your situation. Call your lender and tell them about your difficulties. They may be willing to work with you. Honestly, the bank does not want to take possession of your home if they can avoid it. If the lender is not willing to do a loan modification they may recommend a short sale. Based on your statement I would say that you would most likely be approved for a short sale. Contacting your lender is vitally important, please do it right away.
Prudential Tropical Realty