Have you checked to see if you qualify for the Home Affordability Plan? Here is a link
http://makinghomeaffordable.gov/
If you read a lot of the threads here you will find tons of us are in the process of using a HUD approved company such as NACA. Here is a link to their Home Save program
https://www.naca.com/refinance/refinanceTenStep.jsp
I just started with them but there are many people here who have similar issues and have been approved for mods.