First off, do not feel as if you do not have any options! Despite being in the foreclosure process, there are several things you can do to improve your situation.
One of the first things you should do is call your lender. You can find the contact information for your lender online or even on your mortgage statement. When you call your lender, let them know the truth of your situation. Tell them why you cannot make your payments and if your situation will change in the future. Many times they can guide you to the best course of action is for you in your situation.
The government has programs to help people who are struggling to pay their mortgages. Go to this website to find out more information: http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure
A common, simple, and quick option is to sell your home to repay your back payments, clear the mortgage balance, and possibly put money in your pocket. If you feel this route is best for you, fill out the form, and we will contact you to help.