I am underwater on my house (about $40000), have tried unsuccessfully to refinance twice (in 2009 and 2010) and tried for a loan modification (unsuccessfully) last year (the loan mod was unsuccessful b/c we have never missed a payment). The interest rate is 6.75% and it's a 40 year loan. My husband just lost his job and I am pregnant. I want to be proactive in dealing with this. We do not want to lose the house. What can we do?