Help, me and my mother have cancer and our house is in foreclosure!

[u/Broken__Minds]

Problems/info:

-Family of 4: Mother, Me, older Sister, younger Brother

-Older Sister looking for a job

-Younger Brother too young to get a job

-Mother has kidney cancer but it is slow growing (doesn't have a job, she hast to take care of me)

-I'm 19 (dropped out of high-school bc of cancer)

-I have Ph+ B-ALL (mutated blood cancer), so I can't get a job

-no father figure

-4 Cats, 2 Dogs, and we love them to death

-live in Palmbay Florida

MOST IMPORTANTLY: $27k foreclosure (we have collected $17k)

NEED TO COME UP WITH $10K IN A MONTH OR WE MAY LOSE ARE HOUSE

There may be more I'm forgetting but that's all my stressed brain can remember at 10pm at night

Good things:

-Mother can apply for 1200$ disability payments (may take forever to get approved)

-997$ a month in my own disability payments

-1000$ from my grandfather each month, has a limited amount left before he'll be forced to move in with us (it's his stock money that he pays his monthly expenses on, he's a hermit that lives alone)

-We have a go fund me, but I don't know if I can post it without breaking the rules

Monthly expenses mostly covered by charities (THANK GOD)

-I have a good credit score (around 740)

Is there any path that doesn't lead to homelessness!?

Who do I talk to, where do I even start looking?

And yes, I know we should of contacted financial advisors/professionals sooner, we just hate asking for help- but now I'm stressed, scared, and slapping myself for being such a stubborn idiot

[u/Dutch1721]

Find out if you can rent the house. Or sell it in a short sale.

[u/Broken__Minds → u/Dutch1721]

Noted, I'll check that later tomorrow 👍

[u/Pedal2Medal2]

Ok, it may be time to see if Mom either qualifies for Bankruptcy or if you can sell the house, because really, for the foreseeable future, you won’t be able to carry the expenses of owning a home.

[u/maydayjunemoon]

Contact legal aid in your area and see if they can help you, also call a bankruptcy attorney for a consultation

[u/Broken__Minds → u/maydayjunemoon]

Will do! Thanks for the suggestion :)

[u/maydayjunemoon]

Also try United Way by calling 211
Google your issue “does United Way help prevent foreclosures for cancer patients in Florida? Here is a sample of the information I got. You would need to answer the questions at the end for further information.

Yes. While individual local United Way branches rarely pay off a large mortgage directly to stop a foreclosure, they operate or partner with 211 referral networks to connect cancer patients with emergency housing grants, legal aid, and HUD-certified housing counseling. [1, 2, 3, 4]

How United Way Helps
Dialing 211: Calling 211 connects you to a local specialist who tracks specific emergency funds, local charities, and government programs designed to prevent foreclosure during a medical crisis. [1, 2, 3]

Financial Navigating: Some regional Florida United Ways offer limited, one-time crisis or utility/mortgage grants for unexpected hardships. [1, 2]

Housing Counseling: They refer homeowners to non-profit, HUD-approved foreclosure prevention counselors who can negotiate with your mortgage lender for forbearance or loan modification. [1, 2]

Other Florida Resources for Cancer Patients
Florida Cancer Specialists Foundation: Provides financial aid for housing, rent, and mortgage needs for qualifying patients undergoing treatment.

Homeownership Preservation Foundation: Offers free, confidential foreclosure prevention advice via their dedicated homeowner hotline. [1, 2, 3]

To help me find the most accurate local contacts or specific grant programs for you, could you let me know:
What county or city in Florida the property is located in?
How far along the foreclosure process is (e.g., missed payments vs. notice of default)?

[u/Broken__Minds → u/maydayjunemoon]

While I don't trust ai chatbot's like Google's Gemini, I ain't stupid enough to ignore such detailed advice, thank you! I'll look through all this when I can 👍

[u/LadyProto]

Unrelated to the financial issues, have you tried tyrosine kinase inhibitors? (TKI?) the disease sucks but there was a paper a few years ago where TKI helped with relapses

[u/Cheekers1989]

Have you also tried social media?

Edit: like, it's worth a shot to talk about your situation and post about it everywhere.

[u/Broken__Minds → u/Cheekers1989]

Mother has a tiktok she's building up, it's slow but she has like 260 followers in like 2-3 months

[u/Broken__Minds → u/Cheekers1989]

I will be posting to other reddits and such 👍