I recently had my job eliminated due to restructuring can I defer my mortgage payments?

I recently had my job eliminated due to restructuring and would like to have my mortgage payments placed on hold like a loan deferment. I talked to a rep for my mortgage company Litton loan , and basically she told me to seek public assistance for help. I don’t want public assistance!!! I just want to hold off payments until I find a new job which I figure max would be 6 months. Why can’t the just modify my loan and add my 3-6 months payments to the end on my mortgage rather than have me go through the hassle of missing a payment and possible foreclosure. Seems donkey backwards if you know what I mean

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