Sorry, I've had to change your avatar as you can't use a forum expert one!
Can your wife still manage payments on her home? If you go BR then she will still be liable for payments on that loan.
The friend in my adversity I shall always cherish most. I can better trust those who helped to relieve the gloom of my dark hours than those who are so ready to enjoy with me the sunshine of my prosperity. – Ulysses S. Grant