I think this is a popular topic. Clarification. If a lender was to pull a new credit report when completing the modifcation, are we required to provide the Notice to Home Applicant? Thanks!

Not IMO. An application for credit was not initiated. Only a request to modify the terms of an existing credit.

That was our understanding but you know how sometimes you just need that clarification from a different party. Thanks!

Just for additional clarification. If you are actually refinancing the credit then my opinion would be that you would need to provide the disclosure because then you are issuing a new credit to replace the existing credit.

Correct. Whenever we complete a refinance, we complete a new loan package with a new note, loan documents and loan #.