op - almost everyone works hard, sometimes it just isn't enough. Can she look for a job? Can they cut back? Can they sell some of the sheds, cars, etc? It sounds like they didn't inform themsevles when buying. A house (even if a double wide) is basically the largest purchase people will make. I will never understand how people sign and obligate themselves and then can't handle it.

I also don't understand why people don't know "adjustable" means just that. That it won't always be low, it will be high, low, etc, all over. Even if the mortgate broker failed to explain, they should have learned from other sources. People all over are making bad decisions and then doing little to pull themselves out of it.

I hope it works out, but she should have also advised her dh of the downfall in the beginning so they could have both strived to pull through. A fight? I am thinking maybe a divorce, you don't do that to someone you love.

dl