Dealing with Loneliness and Depression

It's been 4 yeas that I deal with extreme loneliness, since I moved to US, I have no friends or family here, just my husband and his family (which is not the same as having my family with me). I don't drive, and I work from home, so I stay isolated in my bedroom. I don't deal well with the loneliness, sometimes I feel like life isn't real, and all of this is a dream that I'm trying to wake up from, it's a weird feeling. I take Zoloft but it seems it's not helping anymore, and I never went to therapy, I really need to try that but I feel "lazy" to talk about my problems with the therapist idk, like face-to-face. I really don't know what to do about it, I forgot how to make friends, I'm not an interesting person anymore and it's so hard to express myself in English, people make jokes and I don't get it, so I often stay out of any conversations.