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Is she going to be able to afford the payments on the mortgage?
Is there any equity in the property?
Ok, from a purely legal perspective, if she isn't able to afford the payments, and she can't get someone to help her with them, then she is going to have to sell the house to keep it from being foreclosed on and realized any equity out of the property. She could try and rent out rooms to tenants to generate income to be able to afford it, but she may not want to share her home with others.
With that amount of equity, there is virtually no way the bank is going to agree to forgive some of the mortgage or refinance if she can't afford the payments because their loan is secure and they will get paid in full if they foreclose.
So it might be an unavoidable eventuality that she is going to have to sell the house and move to something smaller that she can afford on her own..
I am very sorry that I don’t have better news, but please understand that I do have an ethical and professional obligation to provide customers with legally correct answers based on my knowledge and experience, even when I know the answer doesn’t make the customer happy...