Did you go to the state of NH or did you go to your own city? If you go to the city welfare department they can give you emergency help. You provide them proof of income and other expenses and if you have a monthly deficit they will give you the difference toward your mortgage. Their standards are much more lenient then the state. They will actually listen to your story and what’s going on instead of just looking at the numbers. I know that's the case in Dover, I am not sure if it is the case in other cities. It's worth checking out though. Good Luck :)