It will be a challenge just to afford the existing bills on my own so I can't refinance. There are no suitable lower cost properties in the area and it's a village. The kids already share a bedroom. I could get together 60K so I'm about 120k short. If I lose the house then I'll be forced to move away from the area and so lose 50/50 of my kids. Every moment with my kids is so precious particularly as it looks like I'm not going to be able to afford to save the home and so I'll lose them.
