I'm married, Finances... Donna

I would suggest sitting down and making a written list: on one side, write all the pluses of staying in your home now and on the other side, all the minuses and do the same for if you guys were to rent. See what makes more sense financially for you guys. The other thing I can suggest to you is that if you are not currently working and are able to work, you should find a job, even if it's only part-time to help alleviate the bills; that may also help your prospects in keeping the house.

Hopefully you will make a mortgage payment soon.  Often, when you are behind three mortgage payments, the company will place your home in foreclosure.  If I were you, I would remain in the home and if it is not possible to catch up on the payment, I would try to always be two payments behind, but never three and search the classified for an organization that will help homeowners whom are facing foreclosure.  Currently, it seems that you are really one payment away from that possibility.  But before searching the financial ads in the paper, contact your mortgage company and ask the rep if there are any creative financial options that may assist you and your husband, to become current with your payments during this time of financial difficulty.  Until then, stop worrying and start/continue praying.   It's only a house, and you both can get another one later if this one is taken.  Been there and done that.

Here is a couple of free e books on setting up a family budget and generating cash in an emergency.

http://confidentlifestyle.com/Documents/family_budget.pdf

http://confidentlifestyle.com/Documents/emergencymoney.pdf 

http://confidentlifestyle.com/Documents/fix%20credit.pdf

Good luck and best wishes.