IMMINENT FORECLOSURE- In need of IMMEDIATE help

I come to you with a very heavy heart and a desperate plea for help.

I live in my childhood home with my brother Adam who has autism and mobility issues. I am his full-time caregiver and I work from home. In 2018 our mom passed away after a short and painful cancer battle and I was suddenly left with a world of responsibility. I did not intend on being a homeowner nor did I intend on being a caregiver for the foreseeable future. Not only did I inherit the house, but I inherited two mortgages and I had absolutely no idea on how to be a homeowner in the modern age. I still don’t know how to do this. But for five years I’ve tried my best.

On February 6, 2025, I received notice from the bank in charge of the mortgage on my home that it is going to be foreclosed on and the sale date is March 24, 2025. I did not think this would be escalated so swiftly. I knew the home was in preforeclosure in December of 2024 and I had been desperately trying to save money and sell my personal belongings. I found out about this back in November. At the beginning of the month, I had consulted with my boyfriend who had been living with me for over a year, that we would get a loan to pay back the mortgage payments and backed up bills and he agreed to be my co-signer.

But in the middle of November he decided to break up with me and suddenly moved all of his things out of the house. No warnings, nothing at all. We made future plans; we were going to have that loan for the house to pay the bills and the overdue mortgage, and we were going to sell the house and move to his family home in the Midwest where I was going to help care for his elderly grandmother. My trust was betrayed and I opened my home and my life to him, and I was betrayed.

I have tried everything I could to keep on being a homeowner. But I cannot keep up with this burden. And I cannot keep up with being a caregiver. Personally, I have had a number of health issues including severe anxiety and major depression affecting me from finding secondary work. Last June I had major surgery that caused me a lot of physical and mental pain, and I’m still suffering from the aftermath.

I am determined to do these things:

Pay off the mortgage and keep it current.

Keep up with my monthly bills.

Find a group home for my brother to comfortably live in.

Find a smaller apartment/studio for me and my dog to live in.

Find a job that can cater to my health issues and that I can easily see myself excelling in.

Selling my house and putting it on the market.

Doing all of this on my own is extremely hard, and the thought of doing all of this on my own is even harder. But I do have equity in the house when I do sell it which will be reserved for housing/health insurance/food/bills and money that will be set aside while I try to find a job in the interim.

I’m embarrassed and ashamed but I am so desperate. The thought of being homeless during this brutal New England winter is terrifying to me. I am hoping you can help me. Thank you for reading.

-Sarah (and Adam)