Countrywide said there is nothing they can do, is that right?

With a bankruptcy in 2003, I have been desperately trying to improve my credit scores with the FICO presently at 715. The scores have recently been raised quite a bit with the help of a brokerage/mtg.co that said they would work with me, but I am now told my income ratio is too low for my debt ratio even though my only debt is my home. I lost my job in Oct.2006 then started another with less pay in Nov.2006 at approx. $11.00 hrly. After losing the previous job, the mtg co. wouldn't work with me so I found another.. only to be told the ONLY program for me was to take 80% of equity with which to make payments. Interest went up from 6.5 at previous mtg.co.(wells-fargo) to 9.4 with countrywide. I was devastated but felt I had no other options. I am not married but I have grown children with families of their own so I am basically on my own here. There is possibly 2 more months worth of mtg.pymts left in the bank and then probably a foreclosure! I talked with a rep for countrywide, but they say there is nothing they can do! PLEASE.. CAN YOU HELP ME? I don't want to lose my home. I've no where else to go and no way with which to get there even if I did. PLEASE HELP! Thank you so much.