Husband bought house before we were married now we are facing a short sale or foreclosure.?

My husband purchased our home in 06 and everything is only in his name. Since then he lost his job, I had a baby. He has since gotten another job but at about 1/2 the pay of his previous one and I am no longer working. We had to relocate for his new job and we are unable to sell the house. We tried having renters, but that was a disaster. So we are faced with trying for a short sale, foreclosure or deed in lieu. What I'm wondering is if the mortgage company can take into account any savings that I have in my name separate from my husband? I have an account from since I was a kid. We are just concerned that they are going to want us to use this savings to make up for the loss on the house. Any help or advice would be appreciated.