I went through a divorce and my financial status is getting back on track, yet I just can't seem to get caught up on the mortgage. I can't take any other type of loan, unless the payment and interest was really low--and I can't seem to qualify for a low paying loan or an additional credit card loan since I just got caught up on the one's I already have. I can't refinance because I've made many late payments this last year. I was told that I could ask for an eschrow spread , that might decrease my total payment, but you have to be caught up before they will consider you for that. I have no friends or family that can loan me any money (they are old and on fixed incomes or disabled) The electric is out in one room so I can't rent a room out (at least at a price that would be of any help) I am so close to being caught up that I hate to have to sell or end up foreclosing, but that may be my only choice. I was just wondering if any one knew of any thing else to do.
Additional Details
I can't get a second job, I am working every waking hour on the one I have. I know I am in the situation that I am in because of prior bad choice of my own, but I can't go back and change what I did in the past, only learn from it and not repeat them. I am trying to get a higher paying job,or one that would allow me enough free time to get a second job but this may not happen quick enough, in at least enough time to prevent losing the house. And I am greatful for all the good things I have in my life, my health is relatively good, and although I have some other problems to deal with, that I won't go into here, I know I have a lot to be greatful for. Is it wrong to seek a solution to a problem, even if the problem was caused by poor decisions in the past?