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For the mortgage, try talking to your lender and if you get no joy out of them, there are plenty of others that will be happy to talk options with you. Try contacting a financial planner. They specialize in helping you with your money.
When loans are concerned, there really isn't any easy path, but I'll bet you can find a patriotic/sympathetic company to help you out.
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"Are you listening or just waiting to talk?"
Light travels faster than sound. This is why some people appear bright until you hear them speak.
"Fate rarely calls upon us at a moment of our choosing."
Optimus Prime
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