M, Something else that's niggling my mind this evening...he's very close to hitting bottom and yet, he's still hoping against hope, that you'll save the day with providing money for the mortgage. There is no extra money from what you earn from ebay, there is no extra coming in with your unemployment check and you need a good car for transportation. He has four choices to make and none of them will appeal to him: 1) ask his father for a loan to help out in this time of need; 2) ask the ow for a loan (which we all know he won't); find a job, even if it's delivering pizzas or working at a fast food place; or come home and take care of home front while you use his car so that you can get a better paying job w/benefits. I do not see any way around his situation right now, but to hit bottom and find his way back.
He's awake enough to have that "talk" with him about finances. It's time....
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
