<prompt> Human: So my dad was crap with money. Originally bought their house in 1998 for 160,000. Now In 2018 he has passed away and my mom owes 170,000 on the house. My father had a 100,000 life insurance policy. My mother makes appropriately 32,000 a year and mortgage payments are 1,600 a month. She can not afford a mortgage that high. Also, the house appraises for around 300,000 now. What can she do to keep the house?  <response>: She should not keep the house. She can be pretty comfortable for several decades if she sells the house and extra furniture and then rents an appropriately sized apartment. That also allows her to be mobile if she meets someone else and chooses to live with them I know its too soon, but in time she may get lonely. 