[joseph's brain]

I live in Tempe, AZ in a home I purchased in 2005. I am current on my primary mortgage ($190K @ 7% /30 yrs) and my 2nd Mtg (roughly $35K which was used for repairs and renovation at the time of purchase).My mother turns 60 in a month, and was diagnosed with ALS (Lou Gehrig's disease) in 2007. At this point she requires 24 hr care and is only able to control movement of her eyes to communicate with us via a specialized computer. She is on a permanent ventilator, feeding tube and catheter. Her small amount of income is roughly 1/3rd of her monthly care costs, and her savings (which is filling the gaps in cost of care) will be depleted in 5 months. It is estimated that she has between 2 and 4 years to live. My single utmost concern at this point is her safety, comfort and quality of life in these twilight hours of her life.I'm unable to come up with any solution other than my Wife and I leaving our home behind to move-in and care for her full-time. By combining our incomes we can just barely cover the health care costs and costs of living. Her home has been modified to accommodate her, otherwise I'd look at moving her into my home to care for her. Putting her in a home is not an option, period.I've heard the banks (BofA serviced, owned by Freddie Mac in my case) won't even talk to me about short sale options until I'm several months delinquent in payments. I'd like advice on what my options may be and where to start.Thanks in advance and apologies for the long-winded question.Renting out the house is not an appealing option given the rent rates in my neighborhood are significantly lower than my mortgage payment. Comparable homes in my area are selling for $140K to $165K.