<prompt> Human: This requires some background detail before I get to the actual fckup. My stepdad, here on out known as Pete, has a history of cheating on my mother and generally being stupid, it had reached the point where they no longer lived together as husband and wife, but as roommates sharing the bills due to financial strain on them both and the fact that neither can pay the mortgage without the other. He is the definition of an inconsiderate roommate and lives like a slob.My mom has had a steady and very supportive boyfriend for the past 5 years the relationship started post roommate status, but he is unable to move here to take Petes place because the terms of his own divorce make him unable to move outside of a so many miles wide bubble with his 14 year old son. Due to this situation, he has his own rent to pay for and is only able to help us out so much.This had all gone relatively well until last night Pete was caught stealing a 10 case of beer from a store to give to his girlfriend I did not say he was a smart man. As a result, he is barred from entering this chain of stores; but, because his job requires him to do so, he now has a very high chance of being fired, or in the best case scenario he is put on a different route that requires him to drive further out of the area; we will know in the next couple of days.No matter what he does my mother is done trying to live with him and is going to kick him out of the house. She plans to refinance the house if she can, and if not, file for bankruptcy. She does not want to have to sell the house or leave the area because of my two younger sisters in middle and high school, one of whom is a very SAP and will not do well having to make new friends in an unfamiliar group. I am 19 and in college, and through a bittersweet turn of events, this situation will actually leave me better off financially in the form of improved financial aid.Assetsoptions we have: -Bankruptcy -Refinance -Sell the house and buy a smallercheaper one in the school district.-Food stamps -Up to 30k veterans loan tl;dr Fuckup of a stepdads final straw, now my mother is kicking him out and is looking for ways to take care of herself and my sisters financially and possibly keep the house.My question for you, Reddit, is what other options does my mom have? Continuing to live with Pete is no longer an option as she does not want to have to rely on him to bring in a paycheck.Edit: Thanks for the replies so far, I have to go to work. I will be back tonight to check in and answer any more questions.Edit2: More information: We live in upstate NY, her boyfriend lives in NYC. We were walking a financial tightrope before this happened, so things are that much tougher now. My mother plans to get a lawyer to help weigh the options. To those saying it is a bad situation, thank you, but that is not news to me. And for those pointing out that my mother never should have put a mortgage on the house, I am not going to chastise her for poor decisions in the pst, I would much rather be able to provide her with sound advice to carry into the future.Edit3: Thank you for all of the information, I will be writing up a list of all of the options with pros and cons to give to my mother. I am hoping to be a leveling factor for her, to help her rationalize what is best and what is possible.UPDATE: My mom is currently waiting on Pete to decide whether he wants to sign his name off of the deed, or if he wants to keep the house. If he keeps the house my mom is going to try to make it a part of the legal separation that he has to refinance and give her half of the value and she will remove herself from the deed and mortgage. If he signs off then she will refinance with her boyfriend as he has been planning to move in with my mom once his son graduates highschool, or if his son decides he wants to go to school up here.  <response>: Pete was caught stealing a 10 case of beer from a store to give to his girlfriend I did not say he was a smart manJust a romantic one. 