ARM loan woes

[bikerpixie]

What is the name of your state? Colorado
My husband and I moved in with my mother after her retirement money ran out and she was facing forecloseure. At that time, we were driving trucks over the road and were able to make the mortgage payments while my mother paid the other bills. When we moved in she was in the process of getting a forebearance (I think that is what it was.) So while we were waiting on the mortgage company to accept or deny this, we saved about $3,200 (about two payments). Then we lost our jobs and my brother and his family were facing eviction. I loaned him the $1,000 to keep him in his apartment. And after about 6 weeks of job hunting, (the job market in my town is terrible right now.) We spent the remainder of our savings just to survive. (groceries and such.) Of course, as soon as our money ran out, the mortgage company gave us the forebearance and only a couple days to come up with the $1,600. My mother contacted the mortgage company about the papers we recieved telling them our new situation and they gave us till the end of the month to come up with the money. But what I want to know is if we can tell them we dont want the ARM loan and want a low fixed rate, but the problem is they may feel that they are helping us enough as is. My mother has already refinanced a couple times and doesnt have the ability to do it again. The ARM loan got us into trouble in the first place and want out of it. But I do not want out of my house. What can we tell the mortgage company? What do we have to do?What is the name of your state?