Well, $75k spread over 35 years is pretty cheap.
With inflation, it’s worth less than was paid for it back in 85.
$73,000 in 1985 is equivalent in buying power to $178,405.48 today. It’s literally lost that much value in terms of its buying power. In terms of sheer inflation, $73,000 is worth 42% of what it was worth back in 85.
She got a 2nd mortgage. My middle sister has had a 2nd and 3rd mortgage and the parents had to pay what she owed as the sheriff tacked up a eviction notice on the front door.