I have owned a rental property in XXXX, WI ( XXXX XXXX XXXX ) for about 20 years. My XXXX mortgage holder is XXXX XXXX. I have a XXXX mortgage currently held by BMO Harris. This XXXX mortgage used to be owned by M & I Bank, until about 4 years ago. I have a {$40000.00} line of credit on this XXXX mortgage, and I have never missed a payment in all the years of that I have used this line of credit. For many years the balance was XXXX to XXXX. Last year, I badly needed a new roof on the property ( XXXX XXXX XXXX ) and I used the remaining XXXX for the roof. Soon after using the remaining credit, I tried to make a payment online, and the site would not allow it. I called customer service at BMO and they informed me that the entire balance ( XXXX ) was due at that time. From this point, BMO treated my case like a loan modification and assigned XXXX XXXX XXXX, Senior Real Estate Underwriter. After making many requests to keep my current line of credit and make payments like I have been, XXXX XXXX XXXX asked me to find a loan guarantor, in order to " re-do '' the loan. This is not an option for me, and I conveyed this to XXXX XXXX. She then suggested that I think about selling the property. This is also an option that is not realistic at the current time, considering the numbers. I am also worried about my credit score being affected adversely. 
