Hi HitSemiconductorWorker,
Welcome to the forum and thank you for joining.............
If this is the only property that you own..........you can try going through NACA instead and see what type of modification proposal they will be able to do for you..........they are a HUD approved counseling agency and their Home Save modification services are free...........here is the link for the info..........
https://www.naca.com/refinance/refinanceTenStep.jsp