You had gotton married for better or worse....He didn't cheat on you....he had this gambling issue only. There had to be some marriage problems with him to turn to this. I am not saying that this is your fault, but it takes two to make a divorce. Talk to him and you may come up with what lead to this. Communication is so important in a marriage. Most marriages have little or no communication. He doesn't have to appolgize, as long as he's actions say it. Does he look and act truly sorry? Do you love him enough to forgive him? And you have to remember the children, can they live with no father figure in the home? Divorce is a big step, If you think it's hard now....Going through divorce can be double the trouble. He did truly do a bad thing when he gambled...But he wasn't a bad person, just his actions were.
It is very upsetting to lose everything....although you can build it back by working hard together. Remember it is only things, your children are healthy and so are you and your husband. When you lose your health...It can be alot harder too build back. God bless and good luck in your furture together.