how about a debt forgiveness loan for veteran in foreclosure like in 90 days?

Contact a HUD approved counseling agency in your area, Seach for one at HUD.gov

Follow Phil's advice and hopefully you can get the help you need.

I would also contact the VA.

Highly unlikely you will get any relief this late in the game.. if there's even a possibility, you will need to be very proactive.. try contacting the VA or HUD and see if there is anything that can help.. if your in a position to where you cannot afford the payments any more, then you might want to consider a short sale.. this will at least somewhat preserver your credit and make it easier in the future if you decide you wish to purchase another home.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com