; (ii) the mortgagee’s deadline to send notification to the mortgagor or his or her heirs that the loan is due and payable; (iii) the deadline to initiate foreclosure; (iv) any reasonable diligence period related to foreclosure or the Mortgagee Optional Election; (v) any deadline relevant to establishing that a non-borrowing spouse may be eligible for a deferral period; (vi) if applicable, the deadline to obtain the due and payable appraisal; and (vii) any claim submission deadline, including the 6-month acquired property marketing period. (B) Length of extension of due and payable status The mortgagee shall not request due and payable status from the Secretary of Housing and Urban Development nor initiate or continue a foreclosure action during this 180-day period described in subparagraph (A), which shall be considered a forbearance period. (C) Extension A forbearance provided under subparagraph (B) and related deadline extension authorized under subparagraph (A) shall be extended for the period or periods requested, for a total forbearance period of up to 12 months upon— (i) the request of the borrower, oral or written, submitted to the servicer of the borrower affirming that the borrower is experiencing a financial hardship that prevents the borrower from making payments on property charges, completing property repairs, or performing an obligation of the borrower under the Security Instrument due, directly or indirectly, to the COVID–19 emergency; (ii) the request of a non-borrowing spouse, oral or written, submitted to the servicer affirming that the non-borrowing spouse has been unable to satisfy all criteria for the Mortgagee Optional Election program due, directly or indirectly, to the COVID–19 emergency, or to perform all actions necessary to become an eligible non-borrowing spouse following the death of all borrowers