I can't answer your question but one of my daughter's friend's family was losing their home to foreclosure. They had gone as far as moving into a rental house. They were able to move back into their home and save it through this program:
Homeownership Preservation Foundation I'm guessing y'all have already explored every avenue but figured I'd throw it out there in case since you are in FL too.
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"If you have men who will exclude any of God’s creatures from the shelter of compassion and pity, you will have men who will deal likewise with their fellow men." — St. Francis of Assisi, 1181-1226