As a frugal blog, I thought it would be nice to mention this program from President Obama:  Making Home Affordable.

From their website:

What is “Making Home Affordable” all about?
The Making Home Affordable Program is part of the Obama Administration’s broad, comprehensive strategy to get the economy and the housing market back on track. The Making Home Affordable Program offers two different potential solutions for borrowers: (1) refinancing mortgage loans, through the Home Affordable Refinance Program (HARP), and (2) modifying mortgage loans, through the Home Affordable Modification Program (HAMP).

If you are struggling with finances, look at this information and see if you might qualify.  It looks pretty generous, to me.  It might be worth a call to your lender to see if you qualify for either of these MHA solutions.