Can we get a mortgage refinance or modification?

Question by : Can we get a mortgage refinance or modification?
My husband and I have been struggling with our bills for a while now. Late last year he lost his job and it put us behind on our bills. We have been a month behind on our mortgage for what seems like forever. If we get any further behind, our lender is threatening to start foreclosure proceedings.

I have a work at home job that does not bring in stable income. It's difficult for me to look for a job outside the home because our

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