I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan. 
What can I do to stay in my home? 
