Where can I find information on mortgage restructuring due to mission loss?

Called my mortgage lender and was told I didn't qualify because my income to expense shows me at -$1500.00. I said I know cause I lost my living. It doesn't make sense. So they are saying if I hold the money they can restructure. Am I missing something?
Answers:
Yes, with no opening to make payments restructuring is pointless, you will foreclose anyway.

You need to provide or foreclose.

What does not make sense if you thinking the bank desires to take ahit like that because you are not getting yourself another employment.

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