Seems you are going to have to dance with the one who brung you. You can't refinace since your loan balance is higher than your current value. Get second jobs, clean out the basement, attic and garage and sell everything so you can apply it to the mortgage.

See if you can go on twice per month payments which will help you bring the balance down quicker. If you get a raise in pay, then put every additional penny toward the mortgate. Real Estate cycles and this one will end in a few years. If you play it close to the vest and pay as much as you can then you will come out on top in the end.

Good luck.