Contact Fannie Mae or Freddie Mac to find out if they back your mortgage.
For Fannie Mae:
800-7FANNIE (8 a.m. to 8 p.m. EST)
For Freddie Mac:
800-FREDDIE (8 a.m. to 8 p.m. EST)
I also recommend checking out this government website that can help you understand if you are a candidate for the HASP refinance or modification programs.
More recession rescue advice from Suze Orman