Do I have to go with the loan modification offer I got from my mortgage company?

We received an Act 91 and have applied for a HEMAP loan which we got a few years ago when we were in trouble because my husband became disabled. We asked the mortgage company for the modification but we don’t like what we got as an offer from them? I would rather go with the HEMAP loan? Any suggestions?
Can I go with the HEMAP loan even if the mortgage company offers a modification? There is no interest on the HEMAP loan?

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