My parents home, located in a rural area far away from family & friends, was re-financed by my father before he died to the point where the debt is higher than the value of the home. My 84 yr old mother cannot manage living there alone so has been living with my sister for over a year now and it is causing strife within my sister's family. I don't have the room to take her in and none of us are financially well off. Mom's income from Dad's pension is barely enough to get into a retirement community apartment. However, she is not eligible because her debt ratio is too high from the house mortgage, despite her continuing to make payments on time and not having any other debt. The house won't sell because it needs a new well that she can't afford to pay for. Even if it did, Mom would have to pay thousands of dollars difference in what is owed compared to the selling price which she doesn't have. We are trying to work out something with the bank who is going to wind up taking the house. Her credit will take a big hit once a deal is made with the bank and that will prevent her from buying or renting anywhere. How can we get her into her own place under the circumstances?