Please get to a lawyer - your situation is too complicated for answering on a site such as this. It appears you have not seen a lawyer to date and the result is not good.
Legal disclaimer: This is not legal advice and is not intended to create an attorney-client relationship. The post is only an opinion. You should speak to an attorney for further information. The poster is licensed only in Illinois. Please visit www.bernardjconway.com for more information about our services. If this post is useful to you, please remember to upvote it.Ask a similar question
Bernard is right - you need a lawyer. The real issue is can you pay for the house? You say you are stable but that might not be enough. HUD does not want to own a house and you may be able to purchase it if you can afford it. HUD does not want to own a vacant home so if you can not buy it you may be able to rent it. But your lawyer will be able to determine the bst course of action depending on your exact corcumstances. See one soon.Ask a similar question