mortgage help, expiring ARM 1.5 years?

Principle is higher than value of home, Modification with my bank is going nowhere. USbank says I make to much money. I’m 115% loan to value. Do I wait and see with government programs rolling out or act now? Fica score over 750 on both my wife and I. I want a 30 fixed, any ideas? or directions I could take, would be appreciated.

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