i cannot connect to your site. please check that the url is correct.
unfortunately i don't have time to support custom modifications, but the community might have already done that and could give you some info. good luck.
It looks like you do need help in building your site. From a brief look, you have some stuff out of place in your page. Also, using tables to position things on a page, is not always the best design. If you don't get any other help, I'll try to help you. Email me: jwurster at comcast dot net.
If you're in a not good position and have got no cash to move out from that point, you would need to take the loans. Because it would aid you for sure. I get collateral loan every year and feel fine just because of that.