We are currently going through the mortgage modification process and we need help!!

We were already denied once, and the mortgage company agreed to give us another forebarance for 4 months after which they are asking up so pay all the arears ($10,000). Obviously we will not be able to save $10,000 in 4 months - my question is, at the end of the 4 months, what do we do? Will the bank agree to tack the arears on to the life of the mortgage? Or will we be faced with forclosure if we can't come up with the $10,000? We would of course like to stay in our home. Our mortgage is only in my husband's name, so his credit (which was near perfect prior to the start of this modification process last august) has taken a hard hit - to the point where we would not be able to qualifiy for another mortgage. At this point, I am back to work (I lost my job last August after the birth of our 2nd child) and we are happy to go back to paying our original mortgage, but we cannot pay the arears owed - what is the best thing for us to do?? We have been at the mercy of the bank, we've done absolutely everything they've asked us to do, but they don't seem to want to work with us. I don't get it. Prior to us asking for the modification, we had never missed a single payment - but we knew hard times were coming and we were trying to be proactive. Now I wish we had never asked for help at all.