Keep calling your lender.

As time is going by the government is encouraging the lenders to be more accommodating to past due borrowers, even though they may have said no before but may have some options now.

Look at all your expenses and cut them back

This is very important, you will need to let whom ever you are dealing with that you are serious about what is going on. you need to show good faith.

Be careful, not everybody has your best interest's in mind

The financial crises has brought out many scams, from save your house to signing away the deed to whatever, remember if it sounds to good to be true it most likely is.

look into a short sale

This is selling your home at less than you owe, it is a long and arduous task, you need guidance and you will not walk away with anything but you will not have a foreclosure on your record, get good financial advice from your CPA, legal advice and a good Realtor experienced in short sales.

 If all else fails be ready to turn your home back to the lender