Ponoroff has taken out a mortgage loan on his home from Markell Building & Loan ("MBL"). Under the terms of the loan, payments are to be made based on a 30-year amortization schedule (e.g., what it would take to pay off the loan in 30 years), but the entire balance comes due in five years (a so-called "balloon" payment). What are Ponoroff's plan options with respect to this obligation?