Need for prayer...

Absolutely!
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A brief update.. I did find out that the urgency of my situation is not as immediate as I had feared. I am in pre-foreclosure, but I still have a chance for options. I had been contacted by someone who told me my home was up for sheriff's auction within DAYS. I am honesty too naive to have understood the process is not as immediate as he made it seem.
Thankfully, God has answered prayers, and the scare this guy gave me has forced me to pull my head out of the sand and get proactive. I thank you for your prayers, and pray for God's blessing on you all.
Please continue to pray for our situation. I am keeping my heart open to listen keenly for God's guidance.

You guys are so special!!! I will keep you all posted, keep the prayers coming.

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