Boy what an insensitive person. I would make sure that she is not your mortgage broker if you should ever decide to sell your home. Hard telling what kind of a deal you would be getting ((into her pocket)) and not yours.
so sorry you lost your DH. She must have thought you would be a perfect patsy. and maybe that is why she doesn't have a job? got fired for trying it on other folks maybe? How crass of her. God keep you.