Doesn’t live in the house in PA, Her Mother used to but is now in NC with US due to medical/safety reasons as posted up thread.
Who actually owns the house?
TenaNts will be. Evicted
She can go online and she comparison. Of short sale vs foreclosure
Then contact a realtor with experience
If you freepmail me I’ll send link when I get home
If the house is not owner occupied lender may be unwilling to do
Any accommodation
She can start with customer service number
blf....will research and get back with you.