Loan modification or refinance?

[Josephine Breign]

Hi BP!

I own a 4plex that is currently coming out of forbearance, and need some advice on next steps. I've been offered a loan mod/partial claim by the mortgage company, but there is more than 20% equity in the property and would it be a better idea to just refinance? If anyone knows a mortgage broker or lender that can provide some advice, that would be so helpful. 

Thanks!