I am so sorry that you are going through this Amber
I can definately feel your pain. We are going through the same thing right now. I have two small boys myself 2 and 10 months and our mortgage got behind because of medical problems and medical bills. Our company is doing the same thing to us that yours did to you except they havn't done the foreclosure thing yet and I pray it doesn't come to that. I just had them send a check back to me refusing payment this past month so believe me I know how it feels to be scared to death about losing your home. We have tried to get refinanced as well with no luck because it has ruined our credit. You and your family will be in our prayers and if you ever need someone to talk to I will be here for you.