If you want to hold on to your house - call your lenders see if they can will forgive some of your loans or somehow help you combined them. There are some goverment programs that lenders get tax cuts or cash from the goverment for you making a reduced payment on time - which the payments are based on your income. Also, some states have grant money if your income has decreased due to the current economy, but there may be a 5 yr stay requirement on the grant. But if you do start working on these programs it take us to 6 months to get them approved, but most of the time if you fall behind while working on gettign approved - they either rap the past due in your loan, or if it is the grant it can help you to get back on track.
I did one of the loan modification in Dec 2010 and got my loan from $650 to $420 a month (which includes taxes & insurance) with the help of the grant I now pay $195 a month on my house payment for the next 15 months and that can be extended if our situation doesn't changed since we are only using part of the total grant available.
I know to most a $650 loan would be a dream, but when you only make a few hundred more then that a month on unemployment it is a huge struggle. But I have to agree when I was working it was a dream, but stuff happens and we all have to find a way of adapting.
Good luck with whatever you choose to do.