<human>: Can you condense the text into three sentences or less?

They have been married for around 27 years now. Things have been shaky for a long time since they don't even sleep in the same bed anymore (around 5-7 years now). 

I noticed a strange behavior when I saw him posting a song on FB and then I saw that a woman I didn't know commented saying "I love you.", I suspected something was going on but I didn't tell my mother about this at all.

Yesterday I visited them and he had a problem on his iPad, I checked it out and noticed tons of messages being exchanged between him and this woman. This is not purely a online sexual affair since there's really lots of "I love you" being exchanged and how he finally met someone that understands him. There's also nudes being exchanged from what I saw and he regularly calls her at late hours in the night.

I didn't tell anyone about this but I'm afraid what might happen to my mother since she lets him handle all their money and doesn't have a bank account on her name. They also recently bought a house with their money they have been saving for decades.

Currently the woman that he's having an affair with, lives across the world with her husband and two kids. My other problem about telling my mother about this is that I lent my father some money and if I drop the bomb I doubt I will see the money again.

So, yep... I'm currently lost and I don't know what I should do about this.
<bot>: Father [55M] is currently cheating on my mother [55F] with some woman [40ish F] that lives in another part of the world. Don't know what I should do.