denied loan mod

[leonam]

I am really confused about our situation-we have 2 mortgages with GMAC, combined payment of around 2033. My husband was laid off from work 8/08 and unemployed for 3 months. We contacted GMAC then before we were late-no help until you are in collections. My husband is now back with the company he was working for before, living out of town, but for $15/hr less as it isn't in a supervisor position. He will be placed back as a supervisor when they start up a new project-about 1-2 months. He will be able to move back home, but still will be making 100 less a week than last year. We have sent GMAC loan mod. packets 3 times since Jan when we went into collections. They had us do a forbearence of 1500/mth for 2 months before considering a loan mod. We can afford 1500/mth, but they keep turning us down for a loan mod. saying we have insufficient income. They want us to reapply when he gets his raise. My concern is that when he gets the raise he will be making the same amount he was when we got the mortgage and they will deny us again. I don't know what to do next, they say they have many programs, but when we ask what we should do next they just tell us to make our payments or go into forclosure, which we don't want-we have 4 children and my mom living with us. Any help would be greatly appreciated. Thanks!