I'm still not sure what is being asked. If the loan is a consumer purpose loan secured by a 1-4 residential real property you have no choice but to provide the required RESPA disclosures.
Are you maybe referring to the limitations for balloon loans in Reg Z in relation to HOEPA loans and HPMLs? If so review 226.35 and 226.32 and their Commentaries.
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The opinions expressed are mine and they are not to be taken as legal advice.