“Loan modification” defined.

“Loan modification” means the adjustment of the terms of a mortgage loan in a manner that is not provided for in the original or previously modified mortgage loan. Such an adjustment includes, but is not limited to: 1. A change in the payment amount; 2. A change in the loan amount; 3. A loan forbearance; 4. A change in the loan maturity; and 5. A change in the interest rate.