Good Evening Rjatl,
You may want to contact the NACA (Neighborhood Assistance Corporation of America). If this is the only property you own, they may be able to help you with a forebearance program (or something better). They are a HUD approved, non-profit organization that have helped many of us here (including myself). Their services are free. Below is a link to their HOME SAVE PROGRAM. You will have to fill out the online submission, fax some paperwork and then schedule a phone counseling appointment. They are here to help and very compassionate. Please check it out. If you have any other questions, the members here are very helpful. Several of us have been through the process.
Good luck and please keep us posted.
https://www.naca.com/refinance/refinanceTenStep.jsp