I Need to get cash out but I am behind in current mortgage?

Have been hit with some bad times and it’s finally come to a head. I am late on current mortgage by 2 months, and I am staring at my Home equity note due last month. I have about 80K of equity, but am told unable to touch it unless I am current for 6 months. Do I have any options other than selling or foreclosure??? My credit is poor from problems recently but my husband and I both have secure jobs and make over a 100K a year???? I found a web site USALOANS.com does anyone know if they are any good?? Please help.

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