definitely sounds like a bad wheel bearing to me.
There are 2 types of bearings you could use... there are the standard bearings, and the "repair" bearing which are a bearing/seal unit, that places the bearing further to the outside of the axle shaft.
The problem solvers are necessary when the axle-shaft has grooves worn into it from when the original bearing is shot.
Storlied, check out this thread:
http://www.explorerforum.com/forums/showthread.php?t=214805
it is an easy job.
I do understand you don't have a garage. But... could you find one to borrow again? It really is a fairly quick and easy job, with the right tools.
Rent a slide-hammer kit, and a bearing/seal driver kit from Shucks.
Either way; I would order the parts from RockAuto. That way, you
know you're getting Timken bearings. Hands-down, Timken is the best brand to go with. Although, the BCA that are made in the USA would be #2 on the list, but most of the BCA I have found are BCA Nationals which are made in China, or something like that.
"standard" wheel bearing:
"repair" bearing: