Hello. I can certainly empathize with your situation and I am sorry you are going through this. You were a bit unclear as to whether or not you have lost your home or you are in the stages of foreclosure. Because, I do know that there are a few things that you can try to do to negotiate with your lender. Since you make a pretty good income, perhaps you can set up a repayment plan for your past due amounts. You have to show that you can make the monthly payments and make your mortgage and all of your other bills. Their are other options as well.If you haven't already, contact an Attorney who specializes in Foreclosures. Most attorneys will give you FREE advice and about 15-20 minutes of their time. I do wish you and your family the BEST! Keep your FAITH.