Uniform Mortgage Modification Act

West Virginia's Senate Bill 79, the Uniform Mortgage Modification Act, establishes clear rules for modifying home mortgages without changing their legal priority on the property. It applies to homeowners and lenders making specific changes like adjusting interest rates, extending loan terms, or switching between fixed and variable rates - provided the modification doesn't increase the interest rate. Crucially, the bill ensures these changes won't alter the mortgage's position in line with other liens (e.g., tax claims), and recorded modifications won't require additional county filings to maintain priority. The law explicitly excludes changes to property coverage, borrower names, or mortgage transfers from its scope.