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You can use this tool described here: https://steemit.com/steem-project/@jesta/vessel-006-steem-power-delegation

I find it excellent.

Your SP will take 1 week to appear in your account.

Using Minnow Booster Delegate and Undelegate Hope this helps. It is a matter of getting to zero the contract out with whoever you delegated to @the-housewife

So sorry to learn about your house, if it is still being paid off, the bank normally carry insurance for houses with outstanding balance.