We have a consumer home loan that went into default, we started foreclosure proceedings incurring legal fees and at the very last borrower was able to bring loan current.. loan docs. spell out the fact that any legal costs incurred would be paid by borrowers... borrower has agreed to pay in installments, we will add amount to loan balance as a modification not a refinance and then apply payments as agreed... Do we need to re-disclose? If others have come up against this, how are you handling it? Appreciate any feedback!

You would not need to re-disclose if you are only modifying the existing terms. Per Dan P., you would have to disclose only if you choose to add a variable rate feature to the modification.