▁It ▁is ▁a ▁B aff in ▁Island ▁off sh ore ▁island ▁located ▁in ▁F rob isher ▁Bay , ▁sout heast ▁of ▁the ▁capital ▁city ▁of ▁I q al uit . ▁Other ▁islands ▁in ▁the ▁immediate ▁vic inity ▁include ▁Al ger ine ▁Island , ▁All ig ator ▁Island , ▁Low ▁Island , ▁Mc All ister ▁Island , ▁and ▁Pan ▁Island . ▁ ▁References ▁▁ ▁Category : Is lands ▁of ▁B aff in ▁Island ▁Category : Un in hab ited ▁islands ▁of ▁Q iki q ta al uk ▁Region ▁Category : Is lands ▁of ▁the ▁Canadian ▁Ar ctic ▁Arch ip el ago ▁Category : Is lands ▁of ▁F rob isher ▁Bay <0x0A> </s> ▁Mort g age ▁modification ▁is ▁a ▁process ▁where ▁the ▁terms ▁of ▁a ▁mort g age ▁are ▁modified ▁outside ▁the ▁original ▁terms ▁of ▁the ▁contract ▁agreed ▁to ▁by ▁the ▁l ender ▁and ▁bor ro wer ▁( i . e . ▁mort g age e ▁and ▁mort g ag or ▁in ▁mort g age ▁states ; ▁Trust ee ▁and ▁Trust or ▁in ▁Trust ▁De ed ▁states ). ▁In ▁general , ▁any ▁loan ▁can ▁be ▁modified , ▁and ▁the ▁process ▁is ▁referred ▁to ▁as ▁loan ▁modification ▁or ▁deb t ▁res ched uling . ▁ ▁Background ▁In ▁the ▁normal ▁pro gression ▁of ▁a ▁mort g age , ▁pay ments ▁of ▁are ▁made ▁according ▁to ▁the ▁loan ▁documents ▁until ▁the ▁mort g age ▁is ▁paid ▁in ▁full ▁( or ▁paid ▁off ). ▁The ▁l ender ▁holds ▁a ▁li en ▁on ▁the ▁property ▁and ▁if ▁the ▁bor ro