My cousin is 75 and she can take care of herself for the most part. I bring her food once a week and help her with chores like laundry. And cleaning. She only owes $19,000, and has that amount in the bank. Unfortunately she cannot work anymore and her mortgage would need to be renegotiated to make it more affordable. If we could do that she could stay there for another year perhaps maybe longer. She does not want to go to a nursing home could really use assisted care but that is hard to afford. Anyway should we try to save the house? luckily we are in Covid so Banks might be willing to work with us. I am now her POA.