With these type of lenders on every corner, literally, because there’s a bank on every corner, and because of the avalanche economy we’re in, the FDIC is doing their ever lovin’ best to make sure they don’t find themselves of receivership. If that’s even possible? Google “Why aren’t loans aren’t being modified?”
There is a great amount of information, one piece I found to be freeing,(besides no longer being a homeowner,) was the FDIC and Banks, have each others backs, they make it super easy for lenders to simply foreclose, recoup all of their money by a secured low low low interest loan, (*which wouldn’t be necessary if they just helped the homeowner out by extending the term of the homeowners loan,) And after they foreclose, the lender gets to KEEP your house for the sale too.

It’s a whole big “you scratch my back, and together we’ll kick the backsides of the smallest guy.” Which is you and I.
I hope you found a place to live and I certainly hope that your babies are safe and sound. It’s more than apparent, they are loved more than words can say.