I went into kidney failure 3yrs.ago.Had kidney transplant (2nd one). Lost income & got behind on my mortgage pmts. House went into forclosure. Hired an attorney to stop forclosure pending loan mod. Got the loan mod but my mortgage pmts. are more then my original pmts. were. Was told I could pay the higher mortgage pmts. or apply for the HAMP?HEMP? program, or short sale my house. I don't know what to do & my attorney is being vague with answers. Any advice is greatly appreciated. I am on SSID & work making the legal amt. alloted. If I pay the higher mortgage pmts. with the loan mod, I will only have $200 left over monthly for gas, food, misc.