; and (iv) by inserting after subsection (a) the following new subsection: (b) Loan Modification (1) Notwithstanding any other provision of this title, for any loan made under section 502 or 504, the Secretary may modify the interest rate and extend the term of such loan for up to 30 years from the date of such modification. (2) At the end of any moratorium period granted under this section or under the COVID–19 HERO Act, the Secretary shall determine whether the borrower can reasonably resume making principal and interest payments after the Secretary modifies the borrower’s loan obligations in accordance with paragraph (1). . (7) Multifamily Mortgage Forbearance Section 4023 of the CARES Act ( 15 U.S.C. 9057 ) is amended— (A) by striking Federally backed multifamily mortgage loan each place such term appears and inserting multifamily mortgage loan ; (B) in subsection (b), by striking during and inserting due, directly or indirectly, to ; (C) in subsection (c)(1)— (i) in subparagraph (A), by adding and at the end; and (ii) by striking subparagraphs (B) and (C) and inserting the following: (B) provide the forbearance for up to the end of the period described under section 4024(b). ; (D) by redesignating subsection (f) as subsection (g); (E) by inserting after subsection (e) the following: (f) Treatment after forbearance With respect to a multifamily mortgage loan provided a forbearance under this section, the servicer of such loan— (1) shall provide the borrower with a 12-month period beginning at the end of such forbearance to become current on the payments under such loan; (2) may not charge any late fees, penalties, or other charges with respect to payments on the loan that were due during the forbearance period, if such payments are made before the end of the 12-month period