Financing
Currently, I am unemployed and have a very high mortgage that takes up 75% of my income. I am not late with my house payments but I am deemed a slow payer. Is there anyway I can reduce my mortgage besides selling my house? As well as my house needs some repairs and I again cannot afford these. Are there any programs that are legitimate that can help me? 
The unemployment aspect of your situation should be addressed first! If you are in a situation where the mortgage is going to be late, pick up the phone and call the lender and ask for help.