[Short Sale Help]

We refinanced our house 2 years ago...and property taxes and insurance were not escrowed, so we ended up further and further behind on payments. The mortgage co. Decided to then get us insurance and tack it on to our mo payment.. at 10,000 dollars/yr. We have 4 children and want to keep our home, but the mortgage co. Does not seem to want to help. I now have steady employment. ( I was in school during that period of time) my husband has always had steady employment.. citi bank is our lender. foreclosure help