Especially in a divorce, the court may freeze accounts or force one party to pay the other a large cash amount, so no matter what his bank statements say now, he may not know if he'll have any money next month, let alone 3 months from now.

I am thinking my only solution is to go with the sellers to the credit union and explain the situation and see if they will allow the note to be left in place for a few months and freeze the line.

Or, the pipes freeze and leak all over their stuff.

You would want to address it before it freezes outside. 

@Peter GroteLike Cassandra says replace them now or wait until a good freeze and replace them then.

Also they tend to shed snow cleanly as compared to shingles which might 'weep' the melting snow, re freeze, and then create an Ice Dam which can do damage to not only the siding, but to the insulation and ceilings.

I tried multiple times on my laptop and it would freeze up every time and apparently did not post.

The resulting water will refreeze into a sheet of ice known as Black Death.The pine trees will also freeze.

Direct bill, its something you will be responsible for taking care of , reads, wrong reads, verifying they wont freeze etc .  

Heloc's written by institutional lenders ALL have call provisions... and its not to TAKE your house.. geez  where did you get that idea.The banks hire professional companies to do statistical analysis of loan portfolios and Helocs are right up there.. they look at your profession your market you current situation. and if they deem those to be risky.. they call the loans or freeze your helocs  they normally don't foreclose but they can freeze it so you can't pull any more money from it.I bailed out a lot of flippers in the recession who where half way through projects and were used to using their heloc on their personal resi as their rehab funding only to be froze out and not able to finish the project.. and of course they had a big money first usually that was ticking away...