How to qualify for obama mortgage when it says my gross income is too high?

I'm swimmin in debt workin 2 jobs one full n 1 part time @ nite and its still not enough to pay for all my expenses. I'm behind on my phfa pa loan n I don't qualify for obama mortgage bc my gross income is to high. I'm paying my bills with my net weekly income so I don't get why there looking at my gross. I'm already in a credit card debt program and am stressed beyond belief can sum1 help me with useful info please