What if we want to modify the note, PRIOR TO MATURITY, so it amortizes out after 10 years at a fixed rate that is different from the current rate? For example, consumer purpose lot loan, 3 year, fixed rate balloon note, at 4%, matures on 8/1/18. On 7/1/18, we modify the note so it is now 4.5%, re-amortize the existing balance so it pays out in 10 years. Thoughts? Thank you.