Sarah, I am afraid you have tested positive for HIV.
We'd like to start you on ARVs right away. With effective treatment you can live a normal length life and you won't be able to pass the virus on.
Sarah, there are some information on the ethical and legal implications of your diagnosis.
You aren't required to declare your HIV status however you should know that if you were to pass the virus on through sex without telling your parter you are HIV positive you could be prosecuted for reckless transmission.
Some countries have travel restrictions on people living with HIV.
Your diagnosis shouldn't affect your ability to apply for a mortgage or anything like that.