Talk to your lenders and explain your situation, and see if the terms of your loan can be renegotiated, especially if your interest rates are higher than what's offered now. Without a job, however, it might be hard, so you should try to work on that as well.
There's a lot of programs to assist borrowers in tough situations. You might qualify for FHASecure, as long as you don't have any delinquent payments. HopeNow can also provide you with some information, as well as other counseling programs. I saw an article in our local paper this past weekend that had this and other information; I'll see if I can find it to provide you with other resources.
The thing most important is to act quickly, before you miss any payments or sink deeper in debt. Work with your lender, and update your resume.
Good luck.