A month’s worth of minimum wage at the weekends is going to get you $368 before tax. Fat lot of good that’s going to do you if your interest rate just doubled on a 1/2 million dollar loan… Much better to cut your losses and move on that be a debt slave and still lose your house at a later date when payments go up even more. If 600 bucks is going to break your back then just let the bank take the pain, it’s their fault for lending you the money without due dilligence.