Hi Khristi,
Welcome to the forum and thank you for joining....................
What the members here on your thread are going through is NACA......they are a HUD approved counseling agency and the services for their Home Save modification are free..............if this is the only property that you own, they may be able to help you............here is the link for the info............
https://www.naca.com/refinance/refinanceTenStep.jsp