advise on my situation

[Joel Fraser]

I live in California and I bought a 2-story condo in August/September 2007. I bought the condo for $345,000 with 0% down payment. It was my first time buying a house and they gave me a 100% loan. Therefore, I have a PMI. My lender said it's ok and that my PMI should go away really fast. Well, I was naive and now I know it's not that easy to get rid of PMI. Especially since the economy is really bad. I had two jobs to make enough money to pay monthly and live. I just recently lost one job and now I'm barely holding on to live monthly. I'm not in default yet and I would like to keep my condo. I have a 2-bedroom, 2.5 bathroom condo and I am the only person on the title. My lender was GMAC and I believed they sold my contract to CitiMortgage in January 2008. My monthly interest is about 6.75% for 30 years fixed. I have been making my payment on time every month. I know I can't get rid of my PMI unless I refinance or have 20% equity. I don't even know if I'm qualify for a mortgage modification either. Any advise would help.