What are my options if I need help paying my mortgage?

I need assistance in paying my monthly mortgage payments. I’m like everyone else. When we bought the house we could afford the payments along with our other bills. After our income took a big hit we cut back on everything we could but we are still sinking. We have been looking for other jobs or second jobs with out luck. We don’t have any equity to play with since our house value has fallen and we have only been in the house two years. We haven’t missed any payments but we have been late on a couple of them. I don’t want to loose the house but I don’t know what else to do. We have a great interest rate on our original loan so I don’t know if refinancing will help that much. Will the lender let us “skip” a couple of payments and tack them to the end of our loan? Or are we out of options?

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