Is traditionally not considered a mortgage modification?

A traditional mortgage modification typically involves changing the terms of an existing mortgage, such as the interest rate, payment schedule, or loan duration, to make it more manageable for the borrower. However, actions like refinancing or simply paying off a loan early are not considered modifications, as they do not involve altering the original loan agreement. Instead, they represent separate financial transactions. Therefore, anything that does not involve adjusting the existing mortgage terms is traditionally not deemed a modification.