; and (iii) (I) before the end of such forbearance, evaluate the borrower’s ability to return to making regular mortgage payments; (II) if the borrower is able to return to making regular mortgage payments at the end of the forbearance period— (aa) modify the borrower’s loan to extend the term for the same period as the length of the forbearance, with all payments that were not made during the forbearance distributed at the same intervals as the borrower’s existing payment schedule and evenly distributed across those intervals, with no penalties or additional interest accrued or modification fee charged to the borrower; and (bb) notify the borrower in writing of the extension, including provision of a new payment schedule and date of maturity, and that the borrower shall have the election of prepaying the forborne payments at any time, in a lump sum or otherwise; (III) if the borrower is financially unable to return to making regular mortgage payments at the end of the forbearance period— (aa) evaluate the borrower for all loan modification options, including— (AA) further extending the borrower’s repayment period; (BB) reducing the principal balance of the loan; or (CC) other modification options available to the servicer under the terms of their loan and existing laws and policies; and (bb) if the borrower qualifies for such a modification, modify the borrower’s loan to provide a loan with such terms as to provide an affordable payment, with no penalties, additional interest, or modification fees charged to the borrower; and (IV) if a borrower is granted a forbearance on payments that would be owed pursuant to a trial loan modification plan— (aa) any forbearance of payments shall not be treated as missed or delinquent payments or otherwise negatively affect the borrower's ability to complete their trial plan