here is a link for starting the naca process, if there is not a workshop near you then you can schedule a phone counseling session online. you will need to fax your latest paystubs and mortgage statement (helps to do this before your phone appt) you can get the fax cover sheet under doc submission. if you have trouble with your submission, schedule a phone appointment anyway and they can help you with the submission. Naca does work but it takes 60-90 days at least to get an approval.
https://www.naca.com/refinance/refinanceSubmission.jsp