The problem that you and your husband have is that you had a short term loan that came due and were unable to refinance the loan or extend it despite the fact that you were always current on it.Given the situation that you are in, I suggest that you consult with a real estate attorney about the best way to proceed with the problem with your lender. I also suggest that you consult with a mortgage broker to see what type of loan you can obtain to refinance the one that has come due.