Access your mortgage situation. Find every way possible to pay it if AT ALL possible!
Find new money in the forms of creative jobs and living frugally. Saving really does equal more disposible cash~less utilities, food costs and all other expenditures will equal a little bit more to place on the mortgage situation.
I have heard of stories of ugliness from mortgage lenders when folks have tried to "negotiate" differing terms...FIND a WAY~ do what you can do! Work a good solid plan to manage debt. Consider consumer credit counseling and QUIT spending on anything but essentials! ESSENTIALS...I know I am saying hard and irritating words~but losing a home is so traumatic, and as you will be able to SEE Clark Howard on Shortsales, Foreclosures, and Bankruptcy the answer will not be in a ONE of those IF AT ALL POSSIBLE!
These are tough times, and the old trite saying still holds TRUE:
When the going gets tough, the TOUGH GET GOING!