Loan Modification with Suntrust

I received a NOD two months ago. I have gotten the run around and I am at the end of my rope. I pray everyday that God will send me an angel. I need help quickly to avoid losing my house. We had medical bills that has set us back, we are trying to get caught up but not getting anywhere with our mortgage. We want more then anything to stay in our home. I am willing to still pay the entire loan balance of over 695000.00 even thou our house is now worth 400000.00, I just need to get our monthly payments reduced to around 2500.00 a month. We love our home and never want to move. We just need some help at this time. Our taxes have been reassessed at 400000.00 home value. Our original loan balance was 695000.00 with the fees and trying to get out of an adjustable loan Suntrust has added a lot of fees between our 1st and 2nd over 62000.00 to be exact. That makes it almost 757000.00. We never received any money out those are all fees they charged us to lower our payments in 2008. We need help, my goal is to stop foreclosure and do whatever is possible to get our payments at 2500.00 a month. I think it is called loan modification. Please help we are running out of time. I don't know how much more I can take, but I know that God has directed me in the right direction. God Bless.