what if there are more late payments from me?
You should contact your loan servicer right away .  Don't wait so they can help you find a solution soon.
and is there a way to avoid foreclosure?, because I was told I could sign my house over or at least that is what I understood
You might be talking about Deed in lieu of foreclosure, this plan lets you avoid the foreclosure process by signing over the deed to the home to your servicer. The home will then belong to the servicer.