[Just Wondering]

Ok, I will try to make a long story short. I bought a house in August of 2006 and my brother and his wife lived there with me to help pay the mortgage. I got sick and lost my medical insurance and my roommates moves out as well so I could not afford to live in it anymore and to prevent myself from urining my credit and from foreclosure I moved out and put some renters in there. The renters pay 1200 a month and my mortgage is currently at 1554.00 because I unknowingly had an ARM that increased. I can't raise the rent because even 1200 is too much for rent. ANyways, I have tried to get help for 2 years now and I can't refinance due to the house being worht less then I owe on the loan now. I was with WaMu and then Chase bought them and I read online that Chase is going to help a large portion of the loans.....but I have a feeling I will not be included because it is now a rental home.....but that was not my intention when I bought the home and I actually would LOVE to move back in but can't until I can get some kind of mortgage help. Does anyone have any more info as to what the guidelines will be for the people Chase helps?