dont' know what to do

[SuzieQ]

I helped my son purchase a home a year in a half ago we have first Franklin as the loan service. At this time we are up to date on the mortgage. We had fell behind. My son has had nothing to do with the house since last December, and my husband and I have been taking care of all the bill. My husband and I are both on Disabliity, but have been keeping up with the payment and all the other bills. my problem is my son is the only one on the loan and the deed. we would like to take over the loan and get a modification. It will adjust in Aug and we are not going to be able to afford the home. I don't want to loss my home. I just want to take ove the home and loan with an fixed rated. What can I do to get this done. A friend said to let the loan company know what was going on in the home and see if they would work with us. Thank you hon1127