Fannie Mae has recently started its Option Finder initiative to try and keep homeowners in their homes and to address other options in case they can’t.
http://www.knowyouroptions.com/options-finder
Let me know if this helps you understand your options.
References to products and services are not a specific endorsement, but the user must perform their due diligence and investigate whether the product or service is right for them. I welcome any or all comments that would help others.