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In my opinion, you should take some professional help in liaise with your mortgage company. I would suggest you to consider using services of http://www.hopenow.com/
HopeNow is an alliance between HUD approved counseling agents, servicers, investors and other mortgage market participants that provides free services / assistance to the borrowers and in some case, if required, would also liaise with the lenders on your behalf.
Alternatively, though the above one is a better option to try, you may also try http://www.governmentrefinanceassistance.com/
I am sure this would help...
In that case, the second option (alternative) may not help..
BUT you may still continue to contact HopeNow as advised in the original reply.That advice will not change..
I hope this helps...