Thank you for using justanswer. What you're looking for is "Deed in Lieu of Foreclosure", which means you are at risk for losing your home to foreclosure for failure to pay the mortgage. Since you are still making your payments that could easily explain why the bank has not returned your call.
The first step in getting a deed in lieu of foreclosure is that your home must be at risk for being foreclosed on (or the foreclosure process has already started)
The deed in lieu of foreclosure offers advantages
to both the lender and the borrower. The main advantage to the borrower is that it immediately releases him from all or most of the indebtedness associated with the loan in default
If you have been unable to make your monthly payments and your home has been on the market without success of sale, this form of foreclosure may be what is necessary to get you back on track. Deed in lieu allows you, the borrower, to transfer your property to your lender voluntarily and your debt is often forgiven. This procedure will not save your home, but it will help the possibility of you getting another loan in the future. It will also help prevent the lengthy and costly procedure of a foreclosure. It is a negative strike on your credit, but not as bad as a foreclosure.
Please see below for information re: Foreclosures
Publication 4681 (2009), Canceled Debts, Foreclosures, Repossessions, and Abandonments
I hope this helps.