The 80% rule is no longer listed for the loan modification requirement. Is this still applicable? Are we required to ensure that 80% of the new modified Unpaid Principal Balance (UPB) will be paid off before the original maturity date? The 80% rule is no longer listed on the requirement because the rule itself does not exist anymore. However, you should be careful to not to enlarge the change above 120 months past the real date of maturity.