You are a therapist, so you know you can’t make him do anything. He has to want to and choose to. And he depends on your income as a therapist but doesn't trust them? Seriously?
You are scared of Divorce (D) and losing your home. The only way to combat that is knowledge. Knowledge is power. Go see a few lawyers and learn what D would actually look like in your state.
Why isn’t he working? gas stations are hiring, UPS is hiring - there is SOME job out there he can find if he really wants to. It may not be a great job, but it is something. Things are tough out there, but is he really looking hard for a job?
I think MC (marriage counseling) is premature. Your M may have problems, but he cheated. He is depressed. He is not working. He is not being honest. He need IC to figure out why he is doing this and stop. You need IC to understand why you are allowing him to take advantage of you and to decide what you really want. He needs to fix himself first and then you can see if the M can be saved. But he has to become a safe partner first, and you need to heal.
Recovery from infidelity is a multi-year process. So take a deep breath and realize it is going to take time whether you R or D.
some things to help
1) read in this forum and the healing library. Look for the posts with the bullseyes (may have to go a few pages back) as they are especially pertinent. Do not accept blame for his lying or cheating. He may be depressed or unhappy, but there are other ways to handle it that don’t involve PA or EA (emotional affairs).
2) take care of yourself physically. Eat healthy, drink lots of water, get some daily exercise, sleep when you can. These help your body, your mind and your emotions. Avoid drugs and alcohol. If you can’t eat or keep food down, sip on protein shakes during the day. If you can’t sleep talk to your doctor.
3) if there has been ANY intimate contact with your H, you need to get STI/STD tested. Cheaters lie and lie some more. So get tested just in case. Do not have unprotected sex with him until he has also been tested and shown you the results.
4) See a few lawyers. Knowledge is power. Don’t let fear of the unknown keep you from exploring all options. Talk to lawyers and see what a D can look like. You don’t have to file- this is just gathering knowledge. You don’t need to tell him you are doing this. There very well may be ways you can keep your home but split your retirement savings differently, for example. Learn the truth. Also inheritance can be handled differently - talk to a lawyer to find out your options.
5) Read up on the 180. It is a way to give your brain some space to think. Sleep in a different room if it helps you.
Get the space you need to not be triggered.
6) Who do you have IRL life to talk to?
7) Stop driving the bus on repairing this. He broke it - he needs to be figuring out how to fix it. He works part time so he has time to do the research, find a therapist, read books, etc. And you can’t recover from the A until you have the full truth. So unless he is going to be 100% truthful, you are pushing a rock uphill.
8) Read the book "How to help your spouse heal from infidelity" by Linda McDonald. It’s really short and will show you what you need to heal. Have him read it, too. And if he pushes back, drags his heels, or refuses, well that tells you something.
You will survive this. take care of yourself. Keep reading and keep posting.