mortgage contract) in connection with a forbearance, provided that a servicer may offer the borrower a modification option at the end of a forbearance period granted hereunder that includes the capitalization of past due principal and interest and escrow payments as long as the principal and interest payment of the borrower under such modification remains at or below the contractual principal and interest payments owed under the terms of the mortgage contract before such forbearance period except as the result of a change in the index of an adjustable rate mortgage, or, in the case of loans insured by the Federal Housing Administration, except in a modification compliant with applicable Federal Housing Administration policies. (4) Communication with servicers Any communication between a borrower and a servicer described in this section may be made in writing or orally, at the election of the borrower. (5) Communication with borrowers with a disability (A) In general Upon request from a borrower, servicers shall communicate with borrowers who have a disability in the preferred method of communication of the borrower. (B) Definition In this paragraph, the term disability has the meaning given the term handicap in section 802 of the Fair Housing Act ( 42 U.S.C. 3602 ).