I don't have perfect credit. I really want to keep our house.
You can contact NACA and take their help in modifying the loan. NACA will negotiate with your lender so that he accepts your request for a loan modification.
When you say, you don't have perfect credit, I suspect that you are not current on your mortgage? Is that right? If you are current on your mortgage there is the home path loan program that may be an options but one of the qualification for this program is that you must be current on your mortgage for past 12 months.