Thank you! That is a lot of good info.
Your mom’s been gone less than a month? That seems to me much too soon to be making such important decisions. You’re all still grieving. Why not give everyone a few months to heal emotionally before trying to settle the estate?
I sympathize with your anxiety, and I appreciate your desire to do the right thing by everyone. But as a single, middle-aged caregiver myself, I absolutely ache for your sibling. Caregiving is an all-consuming, often harrowing, 24/7 responsibility that ends only with tremendous loss. Now here she is, alone, exhausted, ill, and faced with losing her home. She must be dealing with unimaginable pain and fear right now. Please, set the money worries aside for a while and make sure she’s okay.