I am sorry so for the loss of your husband and then the loss of your home. I'm sure both have been very hard to deal with and move forward. To be honest, it may be difficult to get a loan but certainly worth looking into, especially with your circumstance. While I am a REALTOR (r), I do have a good lender on my team. She will meet with you, look over your finances, employment history etc. and the two of you can come up with a plan. If you are interested, please contact me and I will give you her name and contact information. Also, I will be by your side if you want.
Best of luck to you,
Lynn Hellwig, GRI