is a lender modify my home, even if the loan is not in default?

I have 2 homes in Florida. If the investment and the other is second home. I missed any of my credit and my wife and I have credit scores of 760 or more. I spend more than I win now to keep these mortgages and are concerned that if we payoption arm with a review, I go into foreclosure. I can change, even though I am not in default at the moment? there is no equity in the home mortgage is more than the house is worth. What are my options? what are the implications for homowners simply stop their mortgage? can they enter my head when I lost my salary investment at home? Please share.

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