How did you save your variable mortgage home?

I bought my home 7 years ago with the terms of the bad loans that bottomed out the industry. I have tried refinancing, have a 2 yr mod, but then my mortgage was bought by Bank of America. I have worked with a great non-profit called NACA, but without any income on my own, I have not been modded again :(
May the payment goes up yet again to over $1000 monthly (it could be $1200) for a 100 grand loan. That is crazy. My payment should not be over $750. I’m throwing so much money away. My rich sisters will not help me refinance, but my neighbor offered. It is hard to actually ask for the help.
I love this home. It needs work before selling. If I leave, I will probably try to get a lake house. I need the $40,000 I would make from selling my home. I cant simply walk away. I need the money.
I have been playing chicken with this mortgage and I’m tired. Any suggestions?
If I ever get SSDI, I’m thinkin that would be the income needed to modify. But I’ve been waiting for that for years as well.