A HUD program you might like.

A local HUD (Housing and urban Development) program and a local group that serves the Smyrna and LaVergne area wants to get the word out about it.

Life of Victory is a HUD agency that serves Smyrna & LaVergne TN. We have helped 100s of struggling homeowners in Smyrna save there homes. An important community program is ending 12/30/16. We need help getting the word out. Thanks!  

This is a government program, and I have heard nothing about it, so this might be up your alley as something that could help you,

DEC. 30, 2016 MARKS THE END OF THE (HOME AFFORDABLE MODIFICATION PROGRAM) HAMP®, A SEVEN-YEAR GOVERNMENT PROGRAM DESIGNED TO HELP STRUGGLING HOMEOWNERS.
HAMP® (Home Affordable Modification Program) Features and Benefits:
HAMP achieves a more affordable payment by adjusting your interest rate, extending your term, and reducing or forbearing your principal.
Families who qualify for the HAMP program typically reduce their monthly payments by a median of $500 each month.
Through HAMP, you can get help with your primary residence or rental property.
If you owe significantly more than your home is worth (>115 Loan-To-Value), you’re automatically evaluated for principal reduction.
Just for making timely payments, you could earn up to $10,000, which would be used to reduce your principal balance.