hsmomx3
I think IrishCatholic has a good idea. I wouldn’t fool with the bank any more than I had too. Most likely the people you are dealing with are the Servicers not the people who hold the note. The Servicers have been repeatedly shown that their are milking the foreclosures for all the money they can in fees and are working both sides to increase their gain.
After thinking a bit more I think you should consider allowing your parents to buy you a place and then follow IrishCatholic rent to own plan, but now I am not sure they should buy your present house. No matter how much you love it it will have a certain amout of for lack of a better way of putting it ‘darkness’ hanging over it. Maybe a new place and a new start would be better for both you and your family.