Thank you. On this website, I do not always get to give good news, and this is one of these times.
The problem is that many lenders have a special clause in their mortgage agreements, that state that should the owner transfer (convey) their interest to someone else without the lender's permission, then the whole mortgage becomes due at once. Now, I have not looked at your contract. But assuming this clause exists, someone in your situation cannot transfer without the lender's permission.
So you are left with few options. The main two are bankruptcy and federal programs.
Yes, I know you said you were not eligible. However, do know the possible option regardless for later on. Originally seen as the last resort option, this is becoming increasingly a choice for many Americans. A Chapter 7 petition will only delay the foreclosure and will not allow you to force a reinstatement of the mortgage. However, you would discharge any deficiency, and the proceeding can delay the time by which you would be required to move out of the home by several months. A Chapter 13 proceeding will allows you to force a reinstatement of the mortgage by catching up on delinquent payments over time.
See this website: www.makinghomeaffordable.gov
...and click under EXPLORE PROGRAMS to see what kind of relief you can possibly qualify for. This aggregates all different types of possible programs you can utilize. This may be useful.
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