Looking for best way to pay off mortgage

[Bianca White]

During co-vid, I wasn't able to make any payments, and the mortgage accrued to over $20,000. The smallest payment the bank will take is $17,000. My payoff quote is $67,000.

I don't want to use my entire saving on my past due balance, so what are my best options? This is a rental investment btw

My friend advised me to take out a home equity loan  and pay off the mortgage completely. I'm not really sure if this is the best option. What do you guys think?