Hi lakesidejenn,
Our circumstances are almost exact! (Except for my husband is the sole breadwinner).
*** will probably give you more in depth advice but I am currently going thru NACA to have them negotiate with
CW on our behalf.
The same thing happened to us 100k upside down and all resources exhausted. It's a miracle we made it this far. I always say we've been living on a prayer for 2 years

.
You are not alone and let's be here for each other!