At first we had a planned of buying the house, because that time my Father in-law still paying the mortgage and he said that the house is too big for him and too hard to maintain. But it turns out that we can't afford the monthly mortgage of the house so we ended up renting an apartment. We tried to apply for a house loan but we give up because its too complicated with all the paper works they want and you have to have a good credit score too. My father in-law seeks a lot of advice from his attorney on how to reverse his mortgage to be able to save his house and not declare bankruptcy, because his been paying the mortgage for 20 years and losing it is gonna break his heart, the house is part of his life, he had a lot of beautiful memories that I know he doesn't want to give up that house. Its just so sad that he can't find any way to get a loan or refinance it. If only we can help money wise but we are also poor, we just live as they say overhere "live paycheck to paycheck", just enough to pay the bills and have food in the table.