Harp and Hamp........HELP?

I'm nowhere near losing my home at the present time . However , in 3-4 years I maybe in that situation . My wife will retire which will bring our income down at least $1,000 per month . My 10 yr int only loan will go up about $300 -$ 500 leaving me in a bind . I'm trying to prepare for future $$ problem, but it seems as if there is no help for individuals such as myself . The HARP program makes my payment go up . From early indications I will not qualify for HAMP . What can a person like me do ? Retiring wife and increasing loan . ...one councilor said I may have to sell my house and move rent . Where is the real help ?